Physician discussing own-occupation disability insurance with Financial Advisor

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In: Disability Insurance, Financial Planning

MD Disability Insurance Most attending physicians and medical specialists at major hospital systems across the country believe they are fully protected by their institutional benefits package. After all, you worked hard for your specialty, and your employer provides standard group life and long-term disability (LTD) coverage as part of your comp plan. But for high-earning doctors (MDs, ER doctors, surgeons, anesthesiologists, and OBGYNs), relying solely on an employer-sponsored group plan creates a massive, hidden risk exposure. Standard group insurance plans are designed for the average employee, not a highly trained medical specialist. Here are the three critical structural gaps embedded in institutional group policies thatRead More →