No earned income required
- The amount of disability insurance that can be obtained is tied to income. As a resident, you are able to obtain a set amount of disability insurance without earning an income.
The insurance protects you now
- You are not required to be actively working as a physician in order to make a claim. If you were to suffer an accident or sickness while in residency, you would be able to make a claim under your policy to assist with your costs of daily living.
Disability insurance can be difficult to obtain, so get it while you are young and healthy
- Disability insurance can be the most difficult insurance to obtain on a standard basis. If there is anything in your medical history that concerns the insurance company, they have the right to charge extra premiums, exclude the condition from being covered or decline the application. A simple visit to a psychologist during exam time could warrant exclusion for mental disorders. Therefore, get the coverage while you are young and healthy!
The younger you are, the cheaper the premium
- As you age the premiums for insurance increase. By applying for the coverage now you are locking in a cheaper premium rate.
Discounted premiums
- As a resident, you are eligible for a premium discount up to 25%. This discount results in massive savings over your lifetime!
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