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Own Occupation Disability Insurance
For Your Specialty - Cardiothoracic Surgeon
Job Description
Performs surgery on organs in the thoracic cavity, including the heart, lungs, esophagus and blood vessels.
Duties
Patient consultation, surgical assessment, treatment protocols, surgical procedures, postoperative care and procedures.
Training
- 4-year bachelor’s degree
- 4-year medical degree
- 5-year surgical residency
- 2-year cardiothoracic residency
- State licensure
Average
Annual Salary $570,000
Career
Earning Potential* $20,517,733
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
- Bone fractures
- Tendinitis
- Carpal tunnel
- Degenerative disc disease
- Ruptured 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: 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 invested 15 years of your life and upwards of $300,000 to practice medicine as a Cardiothoracic Surgeon. Experts estimate that one in four medical specialists will experience a disability that seriously threatens their current standard of living.
According to Medscape, medical specialists need to invest between 2% and 6% of their annual income in disability insurance to protect that income. Those who purchase stand-alone policies from their employer and later suffer an injury or illness discover that the coverage they thought they were getting is not enough.
Uninsured physicians discover they are ineligible for coverage altogether as insurance companies will consider an injury or illness a pre-existing condition.
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 a True Own Specialty disability plan from among seven of the best insurance carriers in the country.
Get An "Own" Occupation Disability Insurance" Quote For Cardiothoracic Surgeon
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