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Physician Disability Insurance: The Home for Residents and Fellows

Principal, The Standard, Guardian, Ohio National and Lloyd's of London

Physician Disability Insurance: The Home for Residents and Fellows

Principal, The Standard, Guardian, Ohio National and Lloyd’s of London

Protect Your Income

Physician Disability Insurance Quote


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Whether you are an anesthesiologist, radiologist, emergency room physician, cardiologist or surgeon, you will find relevant information on the most respected, financially secure disability insurance companies in America.

Securing the Future for Resident Physicians and Fellows

Even if you’re not one of the 18,938 Resident Physicians and Fellows who graduated from medical school in 2016, you might be too busy during your residency to think about disability insurance. But that would be a big mistake, especially since your student loans won’t pay themselves off if you become disabled down the road. As founder of InsureStat, endorsed by and preferred provider of Disability Insurance for Top Hospitals, Mensh and the rest of the InsureSTAT team look forward to helping you protect your future.

“InsureSTAT was instrumental in helping me secure quality disability insurance through their experience in the field and dedication to their customers.”

Dr. John Shields
Department of Orthopedics

Resident Physicians and Student Debt

There are 118,962 active Resident Physicians and Fellows across all specialties in the U.S. as of August, 2016. Each one of you may be studying various medical specialties, but the one thing nearly every resident has in common is the accumulation of massive student debt.

Student loan debt for recent and current Resident Physicians and Fellows average between $180,000 and $190,000 if you count the total amount of loans from your undergraduate and graduate debt combined, according to the Association of American Medical Colleges. You may be counting on your earning potential to get those student loans paid down quickly, but it may be a while before your full income comes to fruition. Here are a few quick stats about disability that you should consider:

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Physician Disability Insurance Quote


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InsureSTAT Fact

Average length of disability is

82 Months

InsureSTAT Fact

The average medical student loan


For Women

  • A typical American female of working age who leads a healthy lifestyle has a 38 percent chance of becoming disabled during her working years.
  • Her chances increase to 41 percent if she smokes or is overweight.
  • She has a 38 percent chance of being disabled for longer than five years.
  • The average length of the disability is 82 months.

For Men

  • A typical American male of working age who leads a healthy lifestyle has a 21 percent chance of becoming disabled during his working years.
  • His chances increase to 45 percent if he smokes or becomes overweight.
  • He also has a 38 percent chance of being disabled for five years or longer.
  • Average length of the disability is also 82 months.

Just by the very nature of the occupation, doctors are more susceptible to developing a disability. Back pain, anxiety, depression, not taking care of your own health and high blood pressure, in addition to the stress of the job, are all factors that increase the risk of developing a disability and losing income.


How Much Will This Cost You If You Become Disabled?

Your earning potential as a physician will depend on multiple factors, such as location, specialty, type of facility and patient demand. The median yearly salary for physicians across the board is $187,200. A few of the most populous types of physicians can expect median earnings to be:

• $170,000 for Pediatricians

• $184,00 for Family & General Practitioners

• $187,300+ for Surgeons, Internists and Immunologists

So if you were to become disabled for 82 months (the average amount of time), you could expect to lose $1,279,200 in income while disabled. How will you replace a figure that large?


How Disability Insurance Can Help?

Disability insurance can provide you with monthly income replacement for the duration of your disability. Unlike regular health insurance, disability insurance doesn’t just pay out one payment to your health care provider per medical treatment and leave you to figure out the rest of how you’ll survive until you heal. With disability insurance, you’ll receive a monthly payment that you can use to cover life’s expenses, like groceries, transportation and utility payments.

How Resident Physicians and Fellows Can Benefit

Disability insurance is especially beneficial to residents, fellows and physicians who are just starting out and are still burdened with student loans. Typically, before a Resident Physician or Fellow can buy coverage, they’re required to undergo a review of income and a full medical history, including a blood and urine test. The underwriting of the policy can be very strict for disability insurance due to the length of time the carrier must insure the buyer — usually to age 65 or 67. And rates may differ based on gender, putting female Resident Physicians and Fellows at risk for higher rates.

Physicians talk in a hospital

Exclusive Benefit for InsureSTAT Buyers

Because we care about you and helping you secure your income for the future, we’ve secured a product that is especially designed for Resident Physicians and Fellows and those recently graduated. We are offering a guaranteed issue, separate disability insurance policy to specifically cover student medical loans. This exclusive offer is for Resident Physicians and Fellows who have secured, or are in the process of buying, a traditional disability insurance policy within the last 12 months. Don’t wait to take advantage of this exclusive offer from InsureSTAT.

The Social Security Administration says nearly 100 million American workers don’t have private disability income insurance. You’ve worked hard for your career. Don’t let that happen to you. Contact us today, the preferred provider of disability income insurance to Resident Physicians and Fellows, to discuss your options to protect your income in the event of a disability before it happens to you.

  • Dr. Jen Wildpret Department of Psychiatry

    Using InsureSTAT was an easy way to bring peace of mind for the future.

  • Nathan Lambert MD, Cardiology

    InsureSTAT made the whole process as painless as it could possibly be. They were always willing to work around my schedule and meet me at the hospital. After relocating for my job, I showed my coverage to my practice’s financial planner; he confirmed it was a great deal, very good coverage for a very good price.


Individual Disability Insurance

Disability Insurance is designed to replace lost income in the event of a disabling condition from illness or an accident. Typically, most insurance companies will allow the insured to protect up to 60% of their pre-disability earned income and pay monthly benefits to age 65, 67, or even 70.  InsureSTAT works with you to determine your monthly benefit eligibility, supplement your employer provided protection or increase to become more fully insured from within an older policy already in force.

Medical Student Loan Disability Insurance

Medical Student Loan Disability Insurance can offer up to $200,000 paid in lump sum amounts directly to the insured in the event of a disabling injury or illness in 4 equal installments during a 24 month period, every 6 months if continually disabled. Policies have level fixed premiums for 5 years and are mutually renewed at that time should the insured decide to continue to the policy.