Disability Insurance For Resident Physicians

You have invested years of your life, hundreds of thousands of dollars on your medical education, and have a potential income stream that could be significant. That all needs to be protected.

While you may have employer coverage, it’s likely not covering you at an adequate benefit level or offering the own-specialty protection you need. It’s important to fill in those gaps in coverage with supplemental disability income insurance protection: the AMA-sponsored DisabilityPro “Own-Specialty” Group Disability Insurance℠ for resident physicians.

Up to $5,000 in monthly disability benefits as a resident under 40—regardless of your current salary, debt or existing coverage amounts. That’s a higher benefit than you may qualify for with other insurers. Both employers and insurers tend to base coverage amounts on current salary, even though it’s rarely enough to cover a resident’s living expenses if you become disabled.

You can secure this quality disability income protection at specially negotiated rates. You can have the disability income protection you may need as a resident that works with your budget and financial obligations—student loans, mortgage, and family. AMA members receive a 35% discount; non-members receive a 10% discount for at least the first year of coverage.

You are eligible to receive benefits if you are unable to work in your own medical specialty due to a covered illness, injury or organ donation—even if you have the ability to work in another field of medicine.