SPECIALTY SPECIFIC DISABILITY INSURANCE

What Is Disability Insurance And Why Do Physicians Purchase It?
Disability insurance will replace a portion for your if you become too sick or injured to work. This can include moonlighting, 1099 & self-employed income. Disability insurance can help you pay your mortgage, rent, car payments, medical bills and daily expenses. Even if you have disability insurance provided through your employer, you may choose to own a personal policy that provides additional coverage and travels with you.

Accident or Illness
Disability insurance helps replace income lost because of an accident or illness. One survey found that 43% of people aged 40 will suffer a disability of at least 90 days before they reach age 65*.

Bankruptcy
Nearly half of the one million Americans who filed for bankruptcy protection last year did so as the result of an unexpected injury or illness.

Lost Wages
According to the US Commerce Dept., nearly 1 in 5 people living in the U.S. will suffer a disability lasting for more than a year before the age of 65 – the opportunity cost of lost wages is tremendous.

A disability Can Strike Anyone, At Any Time
In an instant, your income could drop significantly. Would you be ready if the unexpected happened?

• • 50% of retirees left the workforce earlier than planned**.
  • One out of every seven workers will suffer a five year or longer disability before reaching age 65*.

*2000 Field Guide, National Underwriter, ** 2015 Retirement Confidence Survey, EBRI

Our Partners for Disability Insurance

Frequently Asked Questions

When Is The Best Time To Buy A Disability Policy?
Pricing and available policy features are based on age and health history. Disability policies enable you to lock in your current health. Because of this, the best time to buy a disability policy is when you are young and healthy. Pre-existing conditions are typically not covered and serious medical conditions can preclude a person from obtaining coverage.

Do I Pay More Using Your Service?
No, the cost of a policy is the same whether you buy it directly from the insurance company, or use an agency like The BattDouglas Financial Group.