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Own Occupation Disability Insurance
For Your Specialty - Internal Medicine Physician
Job Description
Provides primary medical care to adult patients.
Duties
Patient consultations, diagnostic assessments, treatment protocols.
Training
- 4-year Medical Degree program
- 3-year Residency
- State Licensure
Average
Annual Salary $230,000
Career
Earning Potential* $8,279,084
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
- Degenerative disk disease
- Herniated disk
- Recurrent headaches
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 nearly a decade of your life to practice medicine as an Internal Medicine physician. It is estimated that one in four
You invested nearly a decade of your life to practice medicine as an Internal Medicine physician. It is estimated that one in four professionals will experience a disability before they retire.
According to Medscape, medical specialists should be investing between 2% and 6% of their annual income in disability insurance to be fully insured. Those who purchase stand-alone policies from their employer and later incur an injury or illness discover that the coverage they bought isn’t enough to maintain their current standard of living.
Uninsured physicians discover they are ineligible for coverage altogether as insurance companies will consider their disability a pre-existing condition.
True Own Specialty Disability from InsuranceMD will replace your full income tax-free even if you choose to work in another occupation or 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 Internal Medicine Physician
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