OK, so here’s the deal.
You have worked hard, hit the books, passed all the exams, did your residency and now you’re making the good money you always thought you’d make, mainly because you had a calling to help others. That’s noble, and you are certainly respected for your work and your service to others, but in the process of looking past yourself, have you considered yourself?
Think about it. You likely have insurance on your car, your home, your life. Shoot, you probably even have insurance on your practice and on your performance (malpractice insurance). But have you insured your income?
You are in a pretty high-risk occupation; you’re around a lot of sick people, and your job requires a lot of you. Have you ever considered your long hours, lack of sleep and high levels of stress could increase the likelyhood of coming down with a debilitating disease or having an accident and getting seriously injured? What if you were out of commission for three months, two years, or longer? Would you be able to live your life and maintain your lifestyle with no income?
Will you be able to pay back your loans? Will you be able to make your mortgage payments? Will you be able to meet all of your obligations when you have zero money coming in?
You see every day how people can be incapacitated. Don’t think for a second that you’re immune. Disability insurance is designed for incapacitation – where all those other insurances are designed to protect things. Disability insurance pays you a percentage of your income so you can continue to meet your obligations while you recover – or live with a permanent disability.
You’re protected all your other tangible things – why not the money in your paycheck? Ask about www.DoctorDisability.com to get information on disability insurance geared to doctors and your special risk circumstances.