You’ve protected everyone else. Now protect your future income.

You’re putting in long hours, caring for patients, and investing everything into your future as a physician.

But what if something unexpected happened—an injury, illness, or accident—and suddenly you couldn’t finish training or practice medicine?

That’s not just a health crisis—it’s a financial one too. Because without you, there is no income.

And here’s the hard truth: 1 in 4 physicians will face a disability during their career that limits their ability to work. It's not always dramatic. Often, it’s an illness or condition that quietly derails everything.

That’s where disability insurance comes in.

👉 It protects your future earning power.
👉 It replaces income if you can’t work in your specialty.
👉 It’s often cheapest to lock in during residency.

If you had the chance to insure a $5 million dollar asset for just a few bucks a day… would you?

Because that’s what your future income is worth. And the sooner you get covered, the more affordable and flexible your options will be.

👉 Click here to get a free disability quote — no commitment, just smart planning.

How Much Disability Insurance Should You Get?
Most insurance companies let you buy a policy that covers up to 60% of your gross income. That might sound low—but remember, disability benefits are tax-free (as long as you, not your employer, paid the premiums).

Since most high earners pay 15%–35% of their income in taxes, replacing 60% of your income with tax-free dollars often gives you about the same take-home pay you’re used to.

In short:
✅ It’s usually enough to maintain your lifestyle
✅ You’re protected without overpaying for coverage

What to Look For in a Policy:
✅ Own-occupation (especially specialty-specific) – so it pays even if you can do another job, just not your own
✅ Residual/partial disability coverage – for partial disabilities where you can work a little, but not fully
✅ Future purchase option – so you can increase coverage later as an attending, without reapplying or re-qualifying
✅ A strong, independent agent who shops multiple companies

You don’t need to be an expert. You just need to take the first step.

It’s one of the most important financial decisions you’ll make as a resident.

Pro tip:
Group policies (like those from your hospital or AMA) are often cheaper but may not pay out when you need them most. Individual policies, especially from an independent agent, give you stronger protections and follow you when you change jobs.

— Tyler
Founder, salaryDr
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