A physician’s ability to earn an income relies heavily on maintaining the physical and cognitive capacity required for safe, effective patient care, which can be disrupted even by minor health setbacks. When an illness or injury prevents you from practicing, the financial impact can be immediate and significant.
To help protect against the professional and financial risks that can arise from unexpected health issues, securing comprehensive, physician-tailored disability insurance is essential.
Don't Risk Your Future.
Here are more reasons you should consider the powerful protection disability insurance can provide.
1. Your Income Is Your Most Valuable Asset
For most physicians, future earnings can outweigh the value of any other asset they currently hold. A disability can interrupt that income suddenly and without warning.
Without disability coverage, even a brief period away from work can:
- Deplete savings
- Disrupt long-term financial plans
- Create significant stress during an already challenging health situation
Disability insurance helps ensure your lifestyle, obligations, and financial goals remain intact.
2. Physicians Face Higher Physical and Occupational Risks
Even conditions that might seem minor for others, like back pain, hand injuries, and chronic illness, can be career‑limiting for a physician.
Disability insurance helps safeguard your ability to maintain financial stability even when your medical skills are temporarily or permanently affected.
3. Student Loan and Lifestyle Pressures Increase Vulnerability
Many physicians continue to carry significant financial obligations throughout their early and mid-career years. Mortgage payments, student loan balances, childcare costs, and other commitments don’t pause when you’re unable to work.
A good policy will help you:
- Continue to meet financial obligations
- Protect your family’s lifestyle
- Avoid tapping into retirement funds or savings
Disability insurance coverage is especially important to help you meet your financial obligations during long recovery periods.
4. Health Events Are More Common Than You Think
A disability that limits your ability to work can arise from everyday medical issues like:
- Musculoskeletal injuries
- Pregnancy
- Chronic conditions
- Acute illnesses
Short-term and long-term disability coverage helps physicians maintain income continuity across a wide spectrum of real-world scenarios.
Access Guaranteed Disability Coverage Through Symphony Health
Disability coverage, offered through Symphony Health, gives you the financial cushion needed to help preserve your assets and help you focus on recovering and returning to work as quickly as possible.
Short-Term Disability
Top benefits of Symphony Health’s short-term disability coverage:
- $1,000 weekly benefit1,2
- Highly competitive rates
- Easy claims filing
- Begins paying after the 14th day of illness or injury
- Supplements wait-time gap for long-term disability insurance
- Benefit not reduced by state disability
- Guaranteed Issue: No medical exam required, no health questions asked!
Long-Term Disability
- Top benefits of Symphony Health’s long-term disability coverage:
- Up to a $15,000 monthly benefit1,2,3
- Highly competitive rates
- Reduced benefit waiting period and extended benefit duration
- Guaranteed Issue: No medical exam required, no health questions asked!
Learn more now by working with the insurance professionals at Symphony Health!
Email HealthCareServices@SymphonyRisk.com or call 213-576-8530.
¹Various deductibles and/or exclusions may apply.
²Must be currently working in healthcare at least 17.5 hours per week/per calendar quarter and not disabled currently or at the time coverage becomes effective. Limited time pre-existing condition exclusion may apply.
³Must be currently working in healthcare at least 17.5 hours per week/per calendar quarter and not disabled currently or at the time coverage becomes effective. Limited time pre-existing condition exclusion may apply; $200,000 annual income required to qualify for $10,000 monthly benefit otherwise benefit will be based on 60% maximum.