After an on-the-job incident left me disabled and financially vulnerable, my mission is to educate my fellow physicians on proper coverage. During the early years of your career, take advantage of resident specific benefits and discounts.
If you can, lock in your coverage before you complete your residency to get the most coverage at the best rate.
Have a thorough understanding of your policy riders and definitions. “Own Occupation” is a must!
Policies are not set and forget, your plan should keep pace with your income throughout your career.