Disability Insurance is Not Created Equal

Three types of policies available to Physicians and Dentists

Not all Disability Insurance is the same and many different forms of coverage exist.


Employer Sponsored Group Disability

Not Engaged Definition of Disability    
  • Does not allow you to collect benefits while working in another occupation
  • Provides for benefits up to 20,000 per month of coverage
  • Premiums are not guaranteed
  • Benefits are taxable
  • Waiting Period is calculated based consecutive missed days of work before benefits are payable

Own Specialty Disability Insurance

True Own Specialty Definition of Disability

  • Allows you to collect benefits even if you are working in another occupation
  • Provides for benefits up to 30,000 per month in coverage
  • Premiums are guaranteed
  • Benefits are Tax Free
  • Waiting Period is calculated based on accumulated missed days of work before benefits are payable 

Association Coverage: AMA - ADA - ACP - ACOG - ACS - AAP

Not Engaged Definition of Disability    
  • Does not allow you to collect benefits while working in another occupation
  • Provides for benefits up to 15,000 per month of coverage
  • Premiums are not guaranteed
  • Benefits are Tax Free
  • Waiting Period is calculated based consecutive missed days of work before benefits are payable

Own Specialty Disability Carriers

Contact us to receive Free Own Specialty Disability Insurance Quotes