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Own Occupation Disability Insurance
For Your Specialty - Critical Care
Job Description
Provides diagnoses and treatment to critically ill patients in hospital intensive care settings; also known as an intensivist.
Duties
Peer consultations, treatment protocols, prognosis assessments, nonsurgical procedures, family and patient consultations.
Training
- 4-year medical degree program
- 3-year residency
- 2-3-year fellowship
- State licensure
- Board certification
Average
Annual Salary $320,000
Career
Earning Potential* $11,518,728
Example is based on career averages for medical specialty listed above.
*Career After Tax income is based on an individual at the age of 35 and retiring at the age of 70 with 2% inflation pay increases assuming a total state/federal income tax of 28%.
Common Disabilities:
- Arthritis
- Tendinitis
- Degenerative disc disease
- Ruptured or herniated disc
- Cancer
Alternative Non-Clinical Career Fields
- Medical Research and Development: Medical Science Liaison
- Digital Health: Clinical Informatics, Digital Health Advisor, Telemedicine Physician
- Consultant/SME: Medical Expert Witness, Independent Medical Evaluator, Utilization Reviewer, Physician Life Care Planning (legal) Consultant
- Hospital Administration: Hospital Executive Director, Medical Director, Physician Reviewer
- Education: Professor of Medicine, Medical Education Specialist, Continuing Education Manager, Physician Career Coach
- Writing: scientific manuscripts, CME and test prep materials, Medical journalism
Common Causes of Disability*
1 in 4 Are Disabled Before Age 65**
*Common Causes of Disability provided by the Council for Disability Awareness
**Odds of disability provided through the Council for Disability Awareness
Own Specialty Disability Insurance free from limitations that prevent you from earning an income in your occupation but perhaps in a different capacity or in another occupation entirely.
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How True Own Occupation Insurance Benefits You
You spent thousands and invested in at least 10 years of education to prepare for your Critical Care career. Unfortunately, one out of every four medical specialists who have purchased disability insurance will incur an illness or injury that ends their career of choice.
Medscape estimates that physicians practicing in a chosen specialty need to invest between 2% and 6% of their annual income in disability insurance to ensure security should an accident or illness disrupt their career. Those who purchase policies offered by their employer unfortunately discover that the coverage they expected to receive just is not enough.
Physicians who forego disability insurance altogether become ineligible for coverage as insurance companies will consider an injury or illness a pre-existing condition.
Should you fall victim to an accident or injury before you are ready to retire, True Own Specialty disability insurance from InsuranceMD will replace your full income tax-free even if you choose a career in another field or decide to continue to practice medicine.
Choose your True Own Specialty disability plan from one of seven of the best disability carriers in the country.
Get An "Own" Occupation Disability Insurance" Quote For Critical Care
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