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Own Occupation Disability Insurance
For Your Specialty - Obstetrics-Gynecologist

Cardiology

Job Description

Specializes in conditions and diseases of the female reproductive system and anatomy, including pregnancy, breast cancer, cervical cancer, pelvic disorders, urinary tract infections and hormonal disorders in hospitals, clinics and private practice.

Duties

Patient consultations, prenatal, pregnancy and postnatal care, fetal delivery, treatment and medication protocols, patient referrals.

Training

  • 4-year bachelor’s degree
  • 4-year medical degree
  • 4-year residency
  • State licensure
  • Fellowship if desired

Average
Annual Salary $345,000

Career
Earning Potential* $12,481,628

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
  • 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 over 10 years and more than $100,000 to practice medicine as an OB/GYN. Experts estimate that one in four medical specialists will suffer a career-threatening illness or injury before they retire.

According to Medscape, medical specialists need to invest up to 6% of their annual income in disability insurance to maintain their current 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 isn’t enough.

Uninsured physicians discover they are ineligible for coverage altogether as insurance companies will consider their disability a pre-existing condition.

True Own Specialty Disability will replace your full income tax-free even if you choose a career in another field or decide to continue to practice medicine.

Don’t wait and don’t settle. Get coverage today.

Get An "Own" Occupation Disability Insurance" Quote For Obstetrics-Gynecologist

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