Own-Occupation Disability Insurance for Physicians
Fill 4 fields. Get 3 apples-to-apples quotes from a physician-DI broker within 1 business day.
Residency discounts can save 10-25% off attending-stage pricing - but most expire when you finish training.
Why own-occupation matters for physicians
Standard DI ("any occupation") pays you only if you can't work any job. Own-occupation pays you if you can't do your specialty. For most physicians that's a difference of hundreds of thousands per year in protected income.
- Age: premium rises ~3-5% per birthday, compounding.
- Health events: a single new diagnosis (anxiety, back injury, mild HTN) can flip you from preferred to rated - or uninsurable.
- Training discount: carriers like Guardian, Ameritas, Principal, MassMutual, Standard offer steep training-stage pricing that expires when your contract converts.
What the form gets you
- 3 quotes from independent carriers, comparable side-by-side.
- Benefit period, elimination period, specialty riders, COLA, future-increase option - all documented.
- An independent broker who works with physicians specifically (not a captive agent for one carrier).
Trust
- LeverageRx partners with ~15 physician-DI-specialist brokers. Independent, not captive to one carrier.
- No obligation after receiving quotes.
- This page is operated by an affiliate. I earn a referral fee if you request a quote. That does not change the broker's recommendation.
- Secondary option: Policygenius if you prefer a fully online quote path.
FAQ
I'm PGY-3. Is it too late for discounts?
Most carriers still give training-stage pricing through the end of residency, and fellowship counts at most carriers. Waiting until attending locks you out.
I have ADHD / anxiety / asthma. Can I still get coverage?
Usually yes, but with potential riders or exclusions depending on severity and recency. An independent broker can match you to the carrier whose underwriting treats your condition most favorably.
Why not just take the hospital's GSI policy?
Guaranteed Standard Issue (GSI) typically has weaker own-occupation definitions and is often non-portable. Use it to stack on top of individual coverage, not replace it.
Want a personal intro to the right vendor?
Tell us your situation and we'll forward your details to the matched vendor — they'll follow up with you directly. Same price either way; we earn a referral fee from the vendor only if you sign up.