Can you believe it? The end of the decade is right around the corner! 

The end of the year provides us a great opportunity to stop (or multitask) and reflect on the past 12 months. It also gives us a starting line to implement some new changes or goals in our lives for the upcoming year.

While you are thinking about the future, it might be a good time to start thinking about something to protect it, otherwise known as insurance. 

Disability insurance is a HUGE part of physicians’ financial security for the future. While you are planning for 2020, make sure you put getting a disability insurance policy on your list.

Since being in this industry, there are a few trends we have picked up concerning changes in disability insurance policies in the new year, and we want to share them with you!


This year the biggest change we are anticipating is the strict unisex policy for individuals in Massachusetts.

The Massachusetts Legislature passed Bill H. 482, banning sex discrimination in disability insurance. This Bill will go into effect on January 1, 2020.

Basically, a new bill has passed that is banning gender discrimination in Massachusetts, the insurance companies will begin to use the new unisex policy. This policy will lower rates for women but increase rates for males. 

Currently, women pay nearly 25% more for a disability insurance policy. With this new bill banning that sex gap, the insurance companies will use the new unisex policy, 

The insurance companies will lower the female rates but raise the male rates to close the gap, meaning women will end up paying less but male rates will increase

Although this is only being enforced in Massachusetts as of now, other states may be inclined to follow! 

So, if you are looking to keep your lower rates, lock them in now! Fill out our quote request to ensure that you can keep your lower rates!

We know doctors have more important things to do than worry about insurance, so, while waiting may seem like the easiest option, we encourage you to get a quote before the end of the year to lock in your 2019 policy pricing! 

We hope that this information will help you to make the right choice for yourself and your future while we are quickly approaching the New Year. If you have any questions, please let us know, we are always here to help! 

Happy Holidays!