Summary Of Kansas Specific Policy Features*

Percent More or Less than Average Premium

Male: -5.76%

Female: -2.31%

Policy Options from All of the Big Six Companies:

Yes

Unisex Policies Offered

No

*The information on this page are 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 console with one of our advisors.

Located in the Midwestern United States, Kansas is one of the most productive agricultural states for wheat, corn, sorghum and soybeans. With a resident population of 2.94 million, the state covers 81,000 square miles of land and 500 square miles of water.


As of 2021, there were 3,956 active physicians in Kansas, making the resident-to-doctor ratio approximately 735 patients for every one physician. Active physicians in Kansas work in a variety of specialties, including:


  • Psychiatry: 471

  • Surgery: 463

  • Anesthesiologists: 426

  • Radiology: 351

  • Emergency medicine: 310

  • Cardiology: 209

  • Oncology: 135

  • Endocrinology, diabetes, and metabolism: 42

  • All other specialties: 1,549


Are you a physician who’s actively practicing medicine in Kansas? For physicians in Midwestern states like Kansas, having a solid investment in medical education with a dependable career are two of the three most important steps for obtaining exceptional financial securities for your family. The third step is the most important step for maintaining financial stability after graduation and during your career.


Financial Stability through Disability Insurance

As an important factor for financial security, 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.


As one of the two main forms of physician disability insurance, short-term covers physicians for 3–6 months, replaces up to 80% of your income, and covers short-term disabilities. Long-term disability insurance is the other main form of disability insurance and can cover you until you’re age 65, replaces your income if you can’t perform your specialty duties and covers more catastrophic disabilities. You can read more about short and long-term disability in Chapter 1 of our Disability Insurance Guide.


Once you’ve decided on the kind of term of physician disability insurance to get, our next recommended step is to find comprehensive disability insurance, otherwise known as true own-occupation. Unlike any other physician disability insurance definitions, true own-occupation pays your full benefit if you can’t perform your specialty, but can still be employed elsewhere. For example, if you’re a neuropsychiatrist who becomes disabled and can’t perform your specific duties, but decide to become a professor of psychiatry. You will be paid your full disability insurance benefit, while still collecting your income as a professor.


Why You Should Work with Pattern

Pattern is an independent agency, which means we don’t have affiliation with any of the Big 6 Companies who offer physician disability insurance. With only your best interests at heart, our mission is to guide you to find the best policy options for you and to provide educating resources so you understand what you’re getting out of your disability insurance.


When you work with Pattern, we work with you to complete 3 simple steps:


  1. Request your quotes: you fill out a quote request form, and we submit it to each of the Big 6 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.


For frequently asked questions about physician disability insurance, visit Chapter 8 of our Guide to Disability Insurance!