• Scott Nelson-Archer

What Doctors Need to Watch For as They Choose Disability Insurance

Updated: Sep 16


There are a lot of things to consider when purchasing disability insurance for doctors. The policies vary quite a bit, and it is important to fully understand all aspects of a policy before signing the contract. Here are some things to look for in disability insurance for doctors:


• Verify that the policy uses the “own occupation” definition of disability rather than the “any occupation” definition.


• Search for a policy that clarifies “own occupation” as your particular medical specialty rather than as the general medical profession.

Disability insurance policies vary quite a bit, and it is important to fully understand all aspects.

• Make sure the policy has a recovery benefit.


• Look at the insurance company’s financial strength ratings to verify you’re purchasing coverage from a company likely to be around and able to pay if you ever need to file a claim.


If you still have questions about all the aspects of a physician disability insurance policy, contact us. We’ve been helping doctors of all specialties for over 20 years and can walk you through the entire process.