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This Is How Long-Term Physician Disability Insurance Functions

Becoming a physician is no simple task. You must go through many, many years of intense instruction and pay hundreds of thousands of dollars in order to do it. On top of that, you may not be paid well during your residency, which lasts several years.

That’s why when you finally start making good money that it’s seriously vital to protect it. Not only do you likely have serious student debt to pay back, but you may also have gotten into the medical field due to the promise of elevated compensation.

That’s why it’s crucial to protect the income that you’ve worked so hard to achieve, including from serious injury or illness. Here’s what you should know about the way in which long-term physician disability insurance functions:

Long-Term Physician Disability Insurance


Long-term disability insurance typically covers severe injuries or illnesses that thwart or prevent your ability to work for many months or years, or even for life.

Waiting Period

If you endure a disability, you won’t be able to receive benefits as soon as tomorrow. You may be able to start receiving benefits in just a few weeks, or as long as two years. The length of time you have to wait depends on the elimination period that you designated when you signed on for benefits.

Length of Benefits Receipt

Your long-term disability benefits may last anywhere from five to ten years, or in certain cases up to age 65.

How Insurance Is Provided

Long-term disability insurance is typically offered through a group plan, although it is likely in your best interest to purchase an individual policy.

We’re Here for Your Support

If your long-term physician disability insurance claim was denied or you need help filing for benefits, our attorneys may be able to help. Our team has helped many other people secure the benefits they needed. Let us see if we can help you, too.

Call Dabdoub Law Firmtoday at (800) 969-0488 to speak with an attorney about your case.