Disability Income Insurance is a must for physicians. Considering the specialized skills involved with your profession one cannot afford not to have protection from the inability to perform at ones specialty.

There are many things to consider when seeking the right solution. One of the major decisions physicians must make is definition of occupation. This definition can vary from company to company and from plan to plan. It is essential to understand exactly what it is you are buying.

Some facts to consider:

  • One in 3 working Americans will become disabled for 90 days or more before age 65. Commissioner’s Individual Disability Table A
  • The average disability absence is 2 and a half years. Commissioner’s Individual Disability Table A
  • More than 80% of working Americans don’t have disability income insurance or aren’t covered adequately.National Underwriter Magazine, May 2001
  • Over 51 million Americans are classified as disabled, representing 18 percent of the population.
    U.S. Census Bureau, Public Information Office, November 2008
  • In the U.S., a disabling injury occurs every 1 second, a fatal injury occurs every 4 minutes.
    National Safety Council, Injury Facts 2008 Ed.
  • Three in 10 workers entering the work force today will become disabled before retiring.
    Social Security Administration, Fact Sheet January 31, 2007
  • Over 6.8 million workers are receiving Social Security Disability benefits, almost half are under age 50.
    Social Security Administration, Fact Sheet January 31, 2007
  • While many people think that disabilities are typically caused by freak accidents, the majority of long-term absences are due to back injuries and illnesses, such as cancer and heart disease.
    Council for Disability Awareness, Long-Term Disability Claims Review, 2007
  • In the last 10 minutes, 498 Americans became disabled.
    National Safety Council, Injury Facts 2008 Ed.

Still not convinced? For more information please visit Disabilitycanhappen.org.

For quotes, please call Brian Mitchell at 319-339-0220 or email brianm@rpgroup.com.