Doctors’ High Stress Profession Makes Disability Insurance A Vital Asset
There’s an old saying that it’s the cobbler’s kids who have no shoes. Doctors tend to go into the business with great intentions: They want to help others. And that’s a good and laudable goal and absolutely a quality to be admired in a doctor. But sometimes doctors fall prey to an insidious tendency to neglect themselves. They get so caught up in taking care of everyone around them that they fail to take proper care of themselves.
Meanwhile, a variety of economic factors are exacerbating pressures on doctors and making it more difficult for them to take ‘down-time’ and mini-breaks during the workday and forcing them to work longer hours.
The result: Many doctors are struggling with burdens of fatigue, stress, distraction and the inevitable results of years of neglect of self.
All of the above, of course, tends to increase their risk of experiencing a disability during their careers – and many of them are career-enders.
This is why it’s important to have disability protection in place early in your career. Many health issues that make disability income insurance more expensive or even impossible to get are closely related to high stress: Hypertension/high blood pressure, obesity from poor eating between patients or from lack of exercise, high triglyceride levels and other factors can gradually build up over the course of a career and make it more difficult for you to qualify if you wait.
And, of course, injuries and unexpected illnesses can strike anyone at any age.
We therefore encourage doctors to get protection in place early on – particularly ‘own occupation’ policies structured to provide benefits if your disability prevents you from continuing to work in your own profession.
What can you do?
- Call us call us at 866-899-7318, or visit us at doctordisability.com for a free disability insurance quote online. We can get you well on the way to getting protected in minutes, even if you’re still in medical school.
- Get in a ‘date night’ with your spouse. It doesn’t have to be extravagant. But if you watch your pennies during the week, doctors should be able to afford a sitter for an evening on the weekends.
- Hit the gym. Make it part of your routine. Before work, after work, it doesn’t matter. As long as you take care of your body as much as you take care of your patients.
- Play golf. You’ll meet lots of other doctors and people from all other walks of life. You’ll gain contacts and wisdom. Don’t like golf? Play tennis. Raquetball. It doesn’t matter the sport.
- Eat healthy. Hours are long – especially in residency. It’s easy to neglect quality of food and overeat, or eat poorly. It’s important to overcome this temptation.
- Take vacations or leave. You’ve earned them. You need to recharge your batteries, and your staff and other practitioners needs to learn to function for short periods of time without your direct and immediate supervision.
- Get out of the building for lunch.
- Learn to say “no.” You don’t have to overload your social calendar, for example.
- Read medical journals. But do some pleasure reading, too.
- Catch a matinee.
- Get away to conferences when you can. These can be enjoyable and relaxing as well as educational. Seek opportunities to attend them.
- Take a brief break every couple of hours – even if it just means walking down the hall and back to clear your head. Dr. Ernest Rossi’s book The 20 Minute Break gives the scientific theory behind this, using the concept of ultradian rhythms.
It’s never too early to qualify for and purchase disability insurance. Medical school is a great time to start, because many medical schools work out special discounts with disability carriers. And you’re already amassing medical school debt by that time, in many cases, and therefore you must protect your ability to repay and avoid defaulting on guaranteed student loans. Again, give us a call today, or visit us online for more information or for a no-obligation quote.