Protecting Your Greatest Asset: Disability Insurance
Your ability to practice your specialty represents $8–10 million in career earnings and the military’s insurance benefits do not protect your full income. Your window to lock in critical protection for your total compensation is widest right now.
Why You Need to Act Before You Separate
- The military doesn’t cover your specialty income – VA disability compensation is based on the rating you receive, not what you earn as a specialized physician. Even a 100% rating falls far short of the 60% income-replacement level considered adequate protection, particularly once specialty and moonlighting pay are counted.
- Your separation physical can eliminate your options – at least one major physician disability insurance company denies coverage outright above a 10% VA rating on any single condition. The same tests that document conditions for the VA become “pre-existing conditions,” on your non-government disability insurance application. This evidence of a disability triggers exclusions or can result in you being declined coverage completely.
- Age is already working against you – a physician’s odds of becoming disabled are three times higher at 55 than at 30, so both cost and approval odds only get worse the longer you wait.
- The active-duty discount disappears at separation – a permanent 25% premium discount applies only if you establish coverage while on active duty. Waiting until age 45 as a veteran, instead of 35 on active duty, means paying 20%+ more in lifetime premiums for 10 fewer years of income protection.
- Applying early solves these challenges – an individual policy secured now, with a Future Insurability Option or Benefit Increase Rider, locks in your current health and lets you increase your monthly benefit later as your income increases from moonlighting or starting a civilian job.
Why You Should Contact DI4MDs
DI4MDs helps military physicians and dentists protect their hard-earned income today and post-separation. They’re proud to serve those who serve.
- Specialized, not generalist – DI4MDs works exclusively with physicians and dentists, with a specific niche focus on military physicians and dentists.
- Independent and carrier-agnostic – as independent agents, DI4MDs represents all major insurance carriers, including the only two that will insure active-duty physicians and dentists.
- They know exactly where the traps are – from the 10% VA rating rule to the separation-physical paper trail, DI4MDs built their practice around helping you avoid the traps that prevent you from protecting your most valuable asset and provide the policy service you deserve for your entire career.
There’s no cost or obligation to talk through your situation — and no advantage to waiting. Contact DI4MDs today.
Andy G. Borgia CLU
D.K. Unger
Jenna Borgia Karamanos
858-523-7518