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Own Occupation Disability Insurance
For Your Specialty - Pain Management Specialist
Job Description
Provides treatment to relieve and manage chronic or post-operative pain to avoid medication protocols.
Duties
Diagnostic assessment, treatment protocols, collaborative consultation.
Training
- 4-year medical degree program
- 3-year residency
- 2-3-year fellowship
- State licensure
- Board certification
Average
Annual Salary $340,000
Career
Earning Potential* $12,238,648
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
- Bone fractures
- Carpal tunnel
- Degenerative disc disease
- Rptured or herniated disc
- Recurrent headaches
- 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: Medical Director, Physician Reviewer
- Education: Professor of Medicine, Hospital Executive Director, 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
One out of every four professionals will incur a career-threatening illness or injury before they retire.
Medscape advises specialist physicians to invest between 2% and 6% of their income in disability insurance to ensure financial security should an accident or illness occur.
Yet many who purchase employer-sponsored policies discover that the income replacement they expected to receive isn’t enough to maintain their standard of living.
Should you fall victim to an accident or injury that limits or ends your career, True Own Specialty Disability replaces your full income tax-free—even if you pivot to a non-clinical career or continue practicing medicine.
InsuranceMD offers plans from seven of the best True Own Specialty carriers in the country. Choose your plan today.
Get An "Own" Occupation Disability Insurance" Quote For Pain Management Specialist
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