Protect Your Future Income â While You're Still in Training
Residents and young physicians get lower premiums for life by locking in coverage early.
What Happens If an Injury Stops You From Practicing Your Specialty?
Your specialty determines your income. One injury could end everything you've trained for.
Surgeons
Hand injury = career-ending. Even minor nerve damage can prevent you from operating, but you could still see patients in clinic.
Ophthalmologists
Any vision limitation affects precision work. Without own-occupation coverage, insurers could claim you can still practice medicine elsewhere.
Neurologists & Proceduralists
One slip ends OR time. Back injuries, tremors, or cognitive issues â procedures require peak physical and mental condition.
Disability insurance doesn't replace your job â it protects the income you trained years to earn.
Without own-occupation coverage, you could lose everything.
Residents Qualify for the Lowest Premiums You'll Ever See
Your rates are locked in for life. Every year you wait costs you thousands.
Rates Increase As:
- 1Salary RisesAttending premiums can be 3-5x higher than resident rates for the same coverage
- 2Age IncreasesEvery birthday adds to your risk profile and premium cost
- 3Health ChangesNew diagnoses can make coverage unaffordable or unavailable
Lock-In Now = Lifetime Savings
How LeverageRx Works
Physician-specific brokers who compare multiple carriers to find your best option
Quick Form
Share your specialty, state, and coverage needs. Takes less than 2 minutes â no medical questions yet.
Compare Carriers
Get quotes from top physician-specific carriers. See true own-occupation policies side-by-side.
Expert Guidance
Licensed specialists help optimize your coverage. No pressure â they work for you, not one insurer.
What This Actually Looks Like in Real Life
Real examples from physicians who locked in their coverage early
These are physician-only benefits not available in standard disability plans.
Physician-Specific Coverage Features
Standard disability plans don't offer these protections
Own-Occupation Definition
Protects your specialty specifically. Can't operate? Get full benefits even if you can work in another medical role.
Future Increase Options
Increase coverage as your income grows without new medical exams or health questions. Lock in insurability now.
Residual Benefits
Partial disability coverage if you can work reduced hours. Protects you during recovery or gradual return to practice.
Student Loan Protection
Optional rider covers your loan payments if disabled. Critical protection for residents with $200K+ debt.
Mental Health Coverage
Modern policies include mental health disabilities. Burnout, depression, and PTSD are covered conditions.
Guaranteed Renewable
Your coverage can't be cancelled as long as you pay premiums. Rates stay locked even if your health changes.
The Math Is Simple
You can always replace or upgrade your policy later.
You cannot go back in time and lock in resident premiums.
Every month you delay costs you more â for the rest of your career.
ð Average physician faces a 1 in 4 chance of disability before age 65. Your specialty training makes you irreplaceable â and vulnerable.
Protect What You've Worked For
Compare plans from top physician-specific carriers. No medical exam required for most residents. Get your personalized quote in 2 minutes.
Compare Plans with LeverageRxCommon Questions
Why should I get disability insurance as a resident?
Residents qualify for the lowest premiums you'll ever see. Your rates are locked in for life based on your age, health, and income when you apply. Waiting until you're an attending means 3-5x higher premiums for the same coverage. Plus, any health changes between now and then could make coverage unaffordable or unavailable.
What is "own-occupation" coverage and why does it matter?
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 can't operate due to a hand injury, you get full payout even though you could still see patients in clinic. Standard policies only pay if you can't work in ANY medical role â a much harder bar to meet.
Do I really need a medical exam?
Most residents qualify for coverage without a medical exam through simplified underwriting. You'll answer health questions, but no physical exam or labs required. This makes the process fast â usually 2-4 weeks from application to approval.
How much coverage do I need?
A good rule of thumb: 60-70% of your gross income. Most policies include "future increase options" that let you raise coverage as your income grows without new medical questions â so you're not locked into your current income level forever. Your quote will be customized based on your specialty, location, and career stage.
Why use LeverageRx instead of going directly to an insurance company?
LeverageRx is an independent broker that compares multiple carriers to find your best option. They work for YOU, not one insurance company. This means they can show you true own-occupation policies from Guardian, Principal, Ameritas, and others side-by-side. Plus, the cost is the same â insurance companies pay brokers, not you.
What if I change specialties or leave medicine?
Your policy stays active as long as you pay premiums. If you switch specialties, your coverage adjusts automatically. If you leave medicine entirely, your policy typically remains in force protecting your new occupation, though some carriers may adjust rates. Most importantly: your insurability is locked in, so future health changes don't affect your coverage.