Let’s protect what we’ve worked so hard for.
We have industry-leading options to replace a portion of your earned income if you become ill or injured (even partially) enough that you can’t perform your normal duties.
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What is Doctor/Dentist Disability Insurance?
You’ve invested a lot in your career, and your unique abilities are the most important asset you have to make a living. Unlike other professions, injury or illness can negatively impact your ability to perform your job. That’s why it’s important to have the right disability compensation in case something unexpected happens and you can no longer do the job you love.
Our policies are designed to give you flexibility and choice to meet your unique needs. Whether you stay with your current practice or start something new, you can rest assured that if a covered disability occurs, your day-to-day expenses will be covered and your lifestyle and financial plan will stay on track.
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We cover more doctors and dentists than anyone else1
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Find out how our disability insurance can protect your income
Physician Disability Insurance Options
We can help you understand each option and determine what type of coverage is right for your unique needs and budget.
If you are no longer able to perform all of your professional duties, you will be able to receive your full monthly benefit, even if you earn an income from another occupation.
The true profession of medicine
This option builds on our True Own Occupation and takes it a step further by giving you the flexibility to leave your job and remain eligible for full benefits.
Have questions about physician disability insurance? We have the answers.
What type of physician disability insurance is right for me?
What are real and material obligations?
Substantial and essential duties are those activities that are necessary to perform the job and cannot be reasonably omitted or altered. This, along with your income at the time of your disability, are important considerations when filing a claim. If you are unsure of the type of compensation that is appropriate for your occupation, speak to an advisor.
How much disability insurance do doctors and dentists need?
How much physician disability insurance can I receive, and when can I receive it?
Many physicians purchase their first disability insurance policy during their residency (or when they start working as a dentist), which typically covers a little more than their current income. This is because your salary may increase significantly in the future. As your income increases, you will want your disability insurance benefits to increase as well. With that in mind, getting a policy that offers additional purchase benefits can allow you to purchase more disability insurance2 without having to take another medical exam. Talk to your advisor about how to get the right coverage at the right time.
What happens if I file a claim with Physician Disability Insurance?
Policy details vary from company to company, so make sure your policy defines disability based on your regular medical occupation. Believe it or not, some policies only pay benefits if you can’t perform any occupation. Next, ask how many ways you can qualify for total disability. Many policies define total disability in only one way. Our Medical True Own Occupation option offers multiple ways, allowing more flexibility, especially in situations where your disability prevents you from performing some but not all of your job duties. Find out what other questions you should ask.
Disability Insurance Calculator
How much disability insurance do I need to protect my income?
Doctors and dentists share their experiences with disability insurance
See how Northwestern Mutual helped these practitioners plan for the unexpected.
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The Northwestern Mutual Difference
97% of our customers use us every year
The percentage of policyholders who remain with us year after year. 3
Northwestern Mutual statistics based on Northwestern Mutual policyholder data.
Ranked #1 in Disability Income Insurance
Top 4 in Disability Income Insurance
Northwestern Mutual’s latest ranking based on direct premium income from S&P Global Market Intelligence
$550 million in disability dividends expected to be paid to policyholders
Projected disability dividends paid to policyholders in 20245
Statistics from Northwestern Mutual. Dividends are reviewed annually and are not guaranteed. Based on Northwestern Mutual policyholder data.
Increase your knowledge about physician disability insurance
Are you ready to take the next step?
Our advisors can help you determine what type of disability income insurance, and how much, is right for you.
Getting started is easy, there’s no obligation, just a conversation.