Physician disability insurance cost typically ranges from 1% to 3% of your annual income, depending on factors like age, specialty, health, and coverage options. For example, a physician earning or monthly for comprehensive protection. Surgeons and high-risk specialists may see higher premiums, while younger, healthier physicians often secure lower rates. Policy features such as own-occupation coverage, benefit amount, and elimination period also affect cost. Investing in the right disability insurance ensures income protection if illness or injury prevents you from practicing—making it a smart financial move for any physician.
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