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Own Occupation Disability Insurance
For Your Specialty - Emergency Medicine
Job Description
Leads medical teams in emergency settings to treat patients suffering life-threatening and less critical injuries and illnesses.
Duties
Resuscitates and/or stabilizes patients with life-threatening illnesses and injuries; provides treatment to patients suffering less critical maladies
Training
- 4-year medical degree program
- 5-year residency
Average
Annual Salary $350,000
Career
Earning Potential* $12,598,608
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
- Degenerative disc disease
- Ruptured 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: 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 a decade and six figures pursuing a career in Emergency Medicine. What you may not know is that one in four medical specialists will suffer a career-threatening disability.
According to Medscape, physicians in Emergency Medicine should be investing at least 2% of their annual income in disability insurance. Those who purchase employer-sponsored disability policies and file a claim discover that the plan they thought they bought will not support their current standard of living.
And uninsured physicians who seek disability insurance claims after an illness or injury are classified ineligible as insurance companies consider their injury and its correlated health challenges a pre-existing condition.
Unlike most disability insurance providers, True Own Specialty disability 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 Emergency Medicine
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