Summary Of Florida Specific Policy Features*

Percent More or Less than Average Premium

  • Male: -0.79%

  • Female: 2.83%

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.

Florida is one of the largest states in the U.S. and has the 16th largest economy in worth of $1 trillion. The main growth sectors include tourism, hospitality, agriculture, real estate, and transportation, which coincide with the state’s world-renowned beach resorts, amusement parks, warm and sunny climate, and maritime recreation.

The total land and water mass of Florida is almost 66,000 square miles for the more than 21.5 million residents to experience. There are currently 31,000 active physicians in Florida, with a patient-to-doctor ratio of 693 to 1. Physicians are active in a variety of specialties including:

  • Emergency medicine: 3,111

  • Surgery: 2,887

  • Anesthesiologists: 2,837

  • Radiology: 2,769

  • Psychiatry: 2,361

  • Cardiology: 2,140

  • Oncology: 1,148

  • Endocrinology, diabetes, and metabolism: 436

  • All other specialties: 13,388

Despite its overwhelming state funds, Florida is inconsistent in the quality of healthcare. In 2013, Florida refused to participate in providing coverage for the Affordable Care Act and of accepting additional Federal funding for Medicaid, although doing so would have helped its constituents at no cost to the state.

As a result of the refusals, Florida is ranked 2nd in the percentage of its citizens without health insurance. In 2009, there were 2.7 million Medicaid patients in Florida and the cost of caring for 2.3 million clients in 2010 was $18.8 billion; these numbers have grown significantly more than a decade later.

Why Physician Disability Insurance?

As a physician in Florida, it’s incredibly important that you protect your financial security and income in the event that you become disabled. To have proper financial security, you need disability insurance. Physician disability insurance is a type of insurance that provides income in the event that you are unable to work due to an injury or illness. Your disability could be from a long-term illness to a disabling accident, which either could take your career and financial stability.

The two main types of disability insurance are short-term and long-term. Short-term disability insurance generally covers physicians between 3–6 months and replaces up to 80 percent of your income while you’re covered. On the other end of the spectrum, long-term disability insurance generally covers you until you’re 65 years old, replacing your income if you can’t do your job duties for an extended period of time.

The goal of long-term disability insurance is to replace your take-home pay prior to your disability, which can include a variety of catastrophic issues including:

  • Cancer

  • Mental health disorders

  • Vehicle accidents

  • Bone breaks

  • Musculoskeletal disorders

Working with Pattern

Once you’ve decided on the physician disability insurance you want, next you will need to work with Pattern to get your desired policy from one of the Big Five companies. We explain in Chapter 4 of the Beginner's Guide to Disability Insurance what the six exceptional companies are that offer physician disability insurance.

Known as the “Big Five,” these companies work with Pattern to present you with personalized quotes for your disability insurance policy. The Big Five Companies include:

When you work with Pattern, we help you with 3 very simple steps:

  1. Request your quotes: you fill out a quote request form, and we submit it to each of the Big Five Companies

  2. Compare your options: you review and compare your six quotes. Your Pattern support team will be there to guide you through the policies, answer your questions, provide examples, and make sure you have a clear understanding of each policy.

  3. Apply and buy: after you’ve made a decision, we will help you complete and submit a short application. From there, we will handle the insurance paperwork and get your income insured.