Disability Insurance Need Calculator
Calculate your income protection gap and get estimated premium ranges based on your specialty, age, and coverage needs.
Income & Expenses
Most employer plans cover 60% of base salary
About You
Risk class: Class 2 (Low-Moderate)
Your Coverage Gap
Recommended Coverage
Coverage duration: to age 65 or 67 (maximum benefit period recommended)
Estimated Premium Range
Own-Occupation vs. Any-Occupation
Pays if you can't perform YOUR specialty. A surgeon who can't operate but could teach still receives benefits. Critical for procedural specialists.
Only pays if you can't work ANY job. Much harder to qualify for benefits. Typically cheaper but provides far less protection.
Get a Personalized Quote
Compare disability insurance quotes from top carriers. Own-occupation coverage designed for physicians.
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Modern disability insurance built for medical professionals. Streamlined application process.
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Why Physicians Need Disability Insurance
Physicians have a 1 in 3 chance of becoming disabled for 90+ days before age 65. With high incomes and often high debt loads, disability can be financially devastating without proper coverage.
Employer-provided group disability typically covers only 60% of base salary (not including bonuses or production pay), may not offer true own-occupation coverage, and ends if you leave the employer. Individual policies are portable and can be customized to your needs.
Premium estimates are approximations based on industry averages. Actual premiums depend on health history, specific policy terms, and insurer underwriting. Get a personalized quote for accurate pricing.