Summary Of California Specific Policy Features*

Percent More or Less than Average Premium

  • Male: 46.69%

  • Female: 9.69%

Policy Options from All of the Big Five Companies:


Unisex Policies Offered


*The information on this page is accurate as of the date this page was created, September 2021.  Policies and discounts vary by individual circumstances. For information on your specific options, please consult with one of our advisors.

As of 2021, California is the leading U.S. state for total number of active physicians. California has more than 115,000 active physicians ( in a variety of specialty areas including psychiatry, anesthesiology, and emergency medicine. This number accounts for approximately 12 percent of the total active physicians in the United States, enhancing the need for physician disability insurance.

Being a Physician in California

For a breakdown of the almost 61,000 ( active specialty physicians:

  • Psychiatry: 7,300

  • Surgery: 5,300

  • Anesthesiologists: 6,100

  • Emergency medicine: 6,200

  • Radiology: 5,000

  • Cardiology: 3,300

  • Oncology: 1,900

As an active physician in California, it’s of the utmost importance to have disability insurance in order to protect your financial stability. Physician disability insurance helps provide financial padding with your career, which is largely dependent on your ability to perform specific tasks. If you become injured or unable to perform those specific tasks, your physician disability insurance will provide monthly paychecks to replace your income.

Choosing California Disability Insurance

In California, there are 6 main providers of physician disability insurance:

Each of the Big 5 Companies provides a variety of types of physician disability definitions.

When choosing physician disability insurance, you want the definition to be as broad as you can find to cover any type of disability. For more information on the best physician disability insurance, visit Chapter 3 of the Guide to Disability Insurance.

Don’t Wait to Get Disability Insurance 

Are you a physician who is licensed to practice medicine in California? When choosing the best physician disability insurance, it’s important to consider a variety of policy options and benefits. To get a quote on physician disability insurance, click here.