Disability Insurance for Cardiologists
Own Occupation Disability Insurance
A cardiologist is a doctor of the heart, arteries, and veins. Invasive non-interventional cardiologists diagnose patients as well as perform catheterizations to examine clogged arteries. Interventional cardiologists perform cardiovascular procedures to cure or treat disease.
Average Annual Salary
Career Earning Potential
1 in 4 Cardiologists are Disabled Before the Age of 65
Common Disabilities for Cardiologists:
Degenerative Disc Disease
Ruptured / Herniated Disc
Examples are based on career averages for cardiology specialty. Career After Tax income is based on an individaul at the age of 35 who retires at the age of 70 with 2% annual salary increases assuming a total state/fedearl income tax of 28%. Common Causes of disability are provided by the Council for Disability Awareness. Odds of disability provided through the Council for Disability Awarness.
Potential Career Risk
Given your career earning potential, the risk for becoming disabled, and the fact that most disabilities in your specialty are caused by injuries or sickness; it is important that you have True Own Occupation Disability insurance from one of the 6 disability carriers listed below.
Own Occupation Disability Insurance can only be purchased individually and is not provided through your Group Sponsored Long Term Disability benefits.
Own Occupation Disability Insurance pays your full benefit if you suffer a sickness or injury that prevents you from performing the material and substantial duties of your Occupation without reducing your benefits if you elect to earn another income from another occupation.