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Own Occupation Disability Insurance
For Your Specialty - Rheumatologist

Cardiology

Job Description

Provides direct care to patients suffering rheumatic diseases such as arthritis and other disorders, as well as muscular conditions.

Duties

Diagnostic assessment, treatment protocols, research.

Training

  • 4-year medical degree program
  • 1+-year residency
  • 2–3-year fellowship
  • Board certification
  • and state licensure

Average
Annual Salary $520,000

Career
Earning Potential* $8,999,006

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
  • Dedegenerative disc disease
  • Ruptured or herniated disc
  • 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
  • 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

It’s estimated that one in four medical specialists will experience a disability at some point during their career. Many who purchase policies from their employer 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 an injury or illness a pre-existing condition.

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.

You invested close to six figures and a decade of your life to practice medicine as a Rheumatologist. Medscape advises medical specialists to invest between 2% and 6% of their annual income in disability insurance to be fully insured.

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

Get An "Own" Occupation Disability Insurance" Quote For Rheumatologist

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