When it comes to disability insurance for physicians, there are many companies that will offer coverage. However, physicians need to be sure to get *true own-occupation coverage* which is only provided by 6 insurance companies at this point.

The "Big 6" insurance companies include:

  • Principal
  • Guardian
  • Mass Mutual
  • Ameritas
  • Standard
  • Ohio National

MetLife used to be included in this list, but no longer sell disability insurance. 

Some policies are often confused for having *true own-occupation coverage*, but DO NOT. Some of these include:

  • Northwestern Mutual
  • AMA
  • UNUM
  • Hartford
  • State Farm
  • Most employer provided group plans

Physicians should focus on securing a policy that contains a true own-occupation definition of disability.  If you are interested in comparing all of the "Big 6" options, please complete our disability insurance quote request form and we will provide a report comparing all of your true own-occupation (specialty-specific) options.