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Own Occupation Disability Insurance
For Your Specialty - Cardiologist
Job Description
Provides noninvasive or invasive care to the heart, arteries, and veins
Duties
Diagnostic assessment, treatment protocols, outpatient care, and surgical and preventive procedures
Training
- 4-year medical degree program
- 3-year residency
- 3-year fellowship
- and state licensure
Average
Annual Salary $465,000
Career
Earning Potential* $16,738,141
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:
- 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
You invested at least $200,000 and a decade to become a Cardiologist. What you may not know is that one in four physicians who purchase disability insurance will experience a career-threatening disability that requires a benefit payout.
According to Medscape, you need to invest between 2% and 6% of your annual income in disability insurance to be fully insured. Those who purchase a policy from their employer and later suffer a debilitating illness or injury find out that the coverage they anticipated falls short of expectations.
Uninsured physicians who suffer a disability are ineligible for coverage altogether.
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.
Don’t wait and don’t settle. Get coverage today.
Get An "Own" Occupation Disability Insurance" Quote For Cardiologist
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