Stop Shopping.
Start Comparing.
Pattern compares all the major carriers so you don't have to. One simple form gets you quotes from Guardian, Principal, Ameritas, and more.
Why 20,000+ Doctors Choose Pattern
Insurance shopping is confusing. Pattern makes it simple.
One Form, Multiple Quotes
Stop filling out forms on 5 different websites. Pattern shops all the major carriers and delivers your best options in one place.
Actually Understand Your Policy
Licensed specialists break down the jargon. You'll know exactly what you're buying and why it matters for your specialty.
Guaranteed Best Price
Pattern's volume discounts mean you pay less than going direct. Plus, you'll see all your options side-by-side to compare.
Pattern Works with The Big 5
The only carriers offering true own-occupation disability insurance for physicians
Why limit yourself to one carrier when you can compare them all?
Pattern shows you the best policy for YOUR specialty, location, and needs.
What Physicians Are Saying
Real doctors who used Pattern to protect their income
"Pattern saved me hours of research. I had quotes from 4 carriers in my inbox within 48 hours. The specialist walked me through every difference."
"I thought I'd just go with whoever my colleague recommended. Pattern showed me I could save $80/month for better coverage. No-brainer."
"The hardest part was filling out one form. Pattern handled everything else. Had my policy approved in 3 weeks — no exam needed."
3 Simple Steps to Coverage
From quotes to covered in as little as 2-3 weeks
Fill One Form
Basic info about your specialty, income, and state. Takes 2 minutes max. No medical questions yet.
Review Your Options
Get personalized quotes from multiple carriers. A licensed specialist explains each option and answers your questions.
Get Covered
Pattern handles all the paperwork. Most physicians get approved within 2-3 weeks with no medical exam.
No obligation. Free comparison. Cancel anytime.
What You're Actually Protecting
Own-occupation coverage = you're covered if you can't do YOUR specialty
Specialty-Specific Protection
Surgeon who can't operate? Get paid even if you can teach. That's the power of own-occupation coverage.
Future Increase Options
Increase coverage as your income grows — no new medical exams or health questions required.
Mental Health Covered
Modern policies include mental health disabilities. Burnout, depression, and anxiety are covered.
Student Loan Protection
Optional rider covers loan payments if disabled. Critical for residents with $200K+ debt.
Partial Disability Benefits
Work reduced hours during recovery? Get partial benefits to make up the income difference.
Locked-In Rates
Your premiums stay the same even if your health changes. Guaranteed renewable for life.
Questions? We've Got Answers.
How is Pattern different from going to a carrier directly?
Pattern is an independent broker that compares ALL the major carriers for you. Instead of filling out forms on 5 different websites, you fill out ONE form and get quotes from Guardian, Principal, Ameritas, MassMutual, and more. Pattern specialists work for YOU, not one insurance company, so they can show you the best option for your situation. Plus, Pattern's volume discounts often beat the direct pricing.
How long does the whole process take?
Most physicians are approved and covered within 2-3 weeks. The initial quote form takes about 2 minutes. You'll get preliminary quotes within 24-48 hours. Once you choose a carrier, the underwriting process typically takes 1-3 weeks (no medical exam required for most physicians). Pattern handles all the paperwork.
Do I really need disability insurance as a resident?
Yes, especially if you want to lock in the lowest rates for life. Your premiums are based on your age, health, and income when you apply. Resident premiums can be 3-5x lower than attending premiums for the same coverage. Every year you wait costs you thousands more over your career. Plus, any health changes between now and then could make coverage unaffordable or unavailable.
What does "own-occupation" actually mean?
Own-occupation means you get full benefits if you can't perform the duties of YOUR SPECIFIC SPECIALTY, even if you could work in another medical role. Example: If you're a surgeon who loses hand function, you get full payout even though you could still teach or do telemedicine. Standard policies only pay if you can't work in ANY medical role — a much harder standard to meet.
How much coverage should I get?
Most physicians get coverage for 60-70% of their gross income. The good news: you don't need to figure this out alone. Pattern specialists will help you calculate the right coverage based on your specialty, income, expenses, and future plans. Most policies include "future increase options" so you can raise coverage as your income grows without new medical questions.
What if I change specialties or leave medicine?
Your policy stays active as long as you pay premiums. If you switch specialties, your coverage automatically adjusts to your new role. If you leave medicine entirely, your policy typically stays in force protecting your new occupation (though some carriers may adjust rates). Most importantly: your insurability is locked in forever, so future health changes don't affect your coverage.
Ready to Protect Your Income?
Join 20,000+ physicians who trust Pattern to compare carriers and find the best coverage.
Get Your Free Quotes Now