DOCTOR DISABILITY SHOP, LLC
WINTER GARDEN, FLORIDA

We are one of the only insurance agencies in the country that works exclusively with physicians providing them with side by side comparisons from all 6 Disability Insurance carriers that offer Own Specialty Disability Insurance. Unlike most agencies that only quote 1 – 3 carriers we quote all six. This makes us a true broker and because we are a broker we offer non-biased advice to our clients as it’s our goal to find you the best coverage at the best value. Since we only work with physicians we understand how valuable your time is and how important it is to use the time you do have productively and our services extend to physicians nationwide. Purchasing good individual disability coverage is important in protecting your most valuable asset, your ability to practice medicine and earn an income. You want to have contracts that can never be changed or premiums that can never be increased. The definition of a good contract will read; if you can not perform the material and substantial duties of your specialty, benefits will be paid. With good disability insurance contracts if you couldn’t perform your specialty because of an injury or sickness and you engaged in any another occupation you would still receive your monthly benefit. Even if you were making a higher income in your new occupation, you would still receive your monthly disability benefit. Most good disability contracts will have extra policy riders you can purchase. Riders that would allow you to increase your coverage later in life regardless of your health. A residual rider that would pay benefits in the most realistic claim scenario of being partially disabled but still working in your own occupation. A cost of living rider ensures that if you were to go on claim your benefit would increase every year to keep pace with inflation. Don’t rely on Social Security, group coverage or your professional association’s coverage. Many group policies are structured with loopholes and nit picking provisions. To qualify for Social Security, you must be completely disabled with no hope of recovery for a period of at least one year, or have a disability expected to end in death. You must also be unable to do any kind of work, not just your job. The majority of people who apply for Social Security disability are denied. Group coverage and professional association coverages may protect your “Own Occupation or Specialty” but only for 2 or 5 years. After 2 or 5 years your policy definition will switch to any occupation based on your education, training and experience. If the insurance company feels you can do some sort of reasonable occupation based on education, training or experience, benefits will cease. Other group and association coverage’s read that if you can not perform the material and substantial duties of your regular occupation and you are not engaged or performing any occupation for wage, remuneration or profit benefits will be paid. Insurance companies know from claims statistics that most claims involve partial disability where individuals are still working in their own occupation or in another occupation. In both group contracts and association contracts your benefits would be limited. Premiums also generally increase every 5 years with association coverage. Unfortunately, it has become very expensive for physicians to obtain and maintain true “own specialty” disability coverage. Because of the work being done at the Doctor Disability Shop all physicians are eligible for an exclusive discount to purchase individual “own specialty” disability insurance. Please view the comparison chart to view the Doctor Disability Shop. We only work with physicians so we know your time is limited. We will provide you with objective advice so you can select the own specialty disability insurance plan that is right for you. Once you have decided what plan works best, applying is easy and only takes 10 minutes. No paperwork to complete or pages to sign, everything is electronic for the purpose of saving you time. Doctor Disability Shop