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Top 10 Riskiest Medical Specialties

What are the top 10 riskiest medical specialties?

  1. Emergency Room Physicians
  2. Anesthesiologists
  3. Ophthalmologists
  4. Oral and Maxillofacial Surgeons
  5. Orthopedic Surgeons
  6. Cardiovascular Surgeons
  7. Obstetricians
  8. Dermatologists
  9. General Surgeons
  10. Otolaryngologists

Odoo • Text and Image

Here are the average annual incomes of our top 10 riskiest medical specialties.

  • Emergency  Room Physician
    • $352,000 Per Year 
    • $12,784,000 Career Earning Potential
  • Anesthesiologists
    • $365,000 Per Year
    • $12,802,329 Career Earning Potential
  • Ophthalmologist
    • $340,000 Per Year
    • $12,348,956 Career Earning Potential
  • Oral and Maxillofacial Surgeons 
    • $280,000 Per Year
    • $10,167,704 Career Earning Potential
  • Orthopedic Surgeons  
    • $495,000 Per Year
    • $17,978,805 Career Earning Potential

  • Cardiovascular Surgeons 
    • $470,000 Per Year
    • $17,070,807 Career Earning Potential
  • Obstetricians  
    • $290,000 Per Year
    • $10,533,192 Career Earning Potential
  • Dermatologists 
    • $335,000 Per Year
    • $12,167,212 Career Earning Potential
  • General Surgeons 
    • $380,000 Per Year
    • $13,801,651 Career Earning Potential
  • Otolaryngologists 
    • $370,000 Per Year
    • $13,438,582 Career Earning Potential

1 in 4 physicians will become disabled before their age of 65

With the average top 10 riskiest medical specialties earning an average career income over $13 million dollars the risk of disability is too great to ignore.  

This is why physicians are told to purchase Own Specialty Disability Insurance.  

The average 35-year-old Physician will pay just $27 dollars a day to protect themselves with Own Specialty Disability Insurance from a disability that may impact their ability to work in their medical specialty.  

True Own Specialty Disability Insurance pays a Tax-Free Benefit should a sickness or injury limit your ability to work in your medical specialty while continuing to pay your full benefit even if you work in another occupation.

IF YOU CAN’T AFFORD TO LIVE WITHOUT YOUR INCOME THEN YOU CAN’T AFFORD TO NOT HAVE OWN SPECIALTY DISABILITY INSURANCE

Your ability to earn an income while working in your medical specialty is your most valuable asset, without your income nothing else is possible.

Your employer sponsored group long term disability plan is not own specialty

Group Disability Insurance is NOT Own Specialty Disability Insurance.  Group coverage pays your full benefit should you suffer a disability that prevents you from working in your medical specialty so long as you remain disabled and you are not working in any other occupation for wage or profit. 

Northwestern Mutual does not offer true own specialty coverage to physicians

Northwestern Mutuals Medical Occupation of Total Disability pays your full benefit should you suffer a sickness or injury that prevents you from working in your medical specialty so long as you are not engaged in any other occupation for wage or profit. If you engage in another occupation your benefit will be reduced based on the percentage of income you are earning against the income you were earning in your medical specialty prior to when your disability began.  

Odoo • Text and Image

The AMA does not sponsor a true own specialty disability policy

The AMA policy is underwritten through New York Life Insurance company and it provides a policy to physicians that defines a disability as the inability to perform all of the material and substantial duties of your medical specialty so long as you are not engaged in any occupation for wage or profit. 

ONLY 6 INSURANCE CARRIERS OFFER TRUE OWN SPECIALTY DISABILITY INSURANCE

Contact InsuranceMD

We are here to answer your questions about a new Own Specialty Disability Insurance or even your current policy.
We will evaluate your policy at no charge!

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