Guest Post – Critical Update: Disability Insurance Protection for Military Physicians and Dentists

Posted on January 30, 2025 Updated on January 25, 2025

As a military physician or dentist, you have the same valuable skillset that needs to be protected as your civilian counterparts. A recent change in the pricing for the most comprehensive plan makes establishing protection more urgent than ever.

Why Immediate Action is Critical

The only comprehensive “to age 65/67” own occupation disability insurance plan has recently reduced the available premium discount for dentists. While physicians can still obtain the higher discount, there is no guarantee that the higher discount will remain available to them. This development makes immediate action even more crucial for military physicians, who already face unique challenges:

• Military disability benefits only cover base pay, creating a significant protection gap
• The gap widens further for those who moonlight or plan to moonlight
• The military doesn’t provide own-occupation disability insurance
• Military separation physicals impair your ability to obtain coverage
• Your risk of becoming disabled and unable to practice your specialty triples between age 30 and 55

The Time to Act is Now

There is no advantage to waiting. In fact, delaying could cost you significantly:

• Your fixed/level rate is based on age when you start coverage, the older you are, the higher the rate will be, meaning the longer you wait to obtain coverage, the more you will pay for less total years of coverage.
• Due to required periodic health assessments, there is a higher likelihood that military physicians will be penalized based on discovery of medical conditions.
• Premium discounts may decrease or disappear
• If you receive orders for overseas deployment, you must wait until you are back in the US to establish coverage

Navigate the Complexity with Expert Guidance

Working with an experienced insurance broker is essential to:

• Understand which policy features fit best for your situation
• Navigate the underwriting process effectively
• Secure the most favorable rates and terms available

Take Action

Don’t risk the career you’ve worked so hard to build. Recent changes in the insurance marketplace make it more important than ever to secure comprehensive coverage while the best rates are still available.

Email DI4MDS today at info@di4mds.com or request your quote here to learn more and establish your personal disability insurance protection.

Thank you for your service

Andy G. Borgia  CLU

DK Unger

10505 Sorrento Valley Rd #250

San Diego, Ca.  92121

858-523-7518

858-523-7511 after 5pm

fx.858-622-1883

info@di4mds.com

www.DI4MDS.com