Individual Disability Insurance for Practicing Physicians
Doctors National has access to multiple carriers that offer benefits and features that respond to the unique stages of your career as a practicing physician at the very best premiums.
Definition of Disability Matters
Physicians need a definition of disability that protects them in their specialty, even if they can practice another occupation or specialty
For example, if a surgeon develops a tremor and no longer perform surgery, he’ll collect a full benefit regardless of if he’s working in another occupation or specialty.
The Best Price
Disability insurance carriers consider several factors when pricing disability insurance for practicing physicians. Your medical specialty and age are key considerations. This is why it is beneficial for your to apply for disability insurance early in your career.
Five Doctors National carriers offer specialty and true own occupation definitions of disability essential for practicing physicians—Ameritas, Mass Mutual, Guardian, Principal, and Standard.
Each of these carriers offer premium discounts, but not all offer the same discounts. Because of our relationships with the carriers and our expertise, access to many of these discounts is only available to you when you work with us.
Depending on the carrier, discounts are available for the following:
- Employment in specific medical hospitals or company
- Placing three-five policies on employees working in the same organization
- Multi-product sales.