Summary Of Kentucky 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.

Located in the Southeastern region of the United States sits Kentucky, a land home to the greatest length of navigable waterways and streams in the country. Kentucky is known for its unique blended culture, which includes farming, moonshine, automobile manufacturing, bluegrass music, and college basketball. Because of the rich land and grass found in many of its pastures, Kentucky has for several years been one of the leading states for goat farming, beef cattle production, and corn production.

With a combination of lengthy water and land area, Kentucky covers approximately 40,400 square miles of area. For the 4.5 million residents living in Kentucky, this creates a population density of about 110 people per square mile.

As of 2021, there were 6,709 active physicians in Kentucky, all working in a variety of specialty areas including:

  • Surgery: 799

  • Emergency medicine: 716

  • Anesthesiologists: 628

  • Psychiatry: 604

  • Radiology: 550

  • Cardiology: 376

  • Oncology: 213

  • Endocrinology, diabetes, and metabolism: 71

  • All other specialties: 2,752

Why Disability Insurance?

As an active physician, you’ve invested a lot of time and money into your medical career. You’ve spent dozens of hours learning the best ways to diagnose and treat patients with a variety of issues. Surely you know that simply investing in medical education and getting a career are only 2 of the 3 steps to obtaining optimal financial security for you and your family. The 3rd and probably most important step is to make sure you’re covered financially in case an unpredictable event occurs and you can’t work anymore. But how can you prepare for unpredictable catastrophic events?

Disability insurance for doctors is the best way to protect you and your family from incredible injuries or illnesses. Long-term disability insurance typically covers up to 60% of your annual gross income, covers you until you're 65, and covers several common catastrophic disabilities such as:

  • Mental Health Disorders

  • Cancer

  • Vehicle Accidents

  • Childbirth Complications

  • Musculoskeletal Disorders

  • Bone Breaks

Coverage for long-term disability insurance begins 3–6 months after your disability, unlike short-term disability insurance which begins 5–10 days after your disability. For more information on the difference between short- and long-term disability insurance, read Chapter 1 of our Beginner’s Guide.

How Pattern Helps You

So how do you get disability insurance? While most employers offer disability insurance, we highly recommend avoiding employer-based disability insurance options because it includes strict rules and the employer can modify and/or cancel the insurance at any time. Read more in Chapter 6: Employer vs. Individual Disability Insurance Policies!

At Pattern, our goal is to guide you through the process of finding the most comprehensive physician disability insurance policy. Our experts will also provide you with the resources and expertise needed to fully understand physician disability insurance. As an independent agency, we don’t have any affiliation with any of the Big Five Companies and are only looking out for your best interests.

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

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

  • Compare your options: you review and compare your five 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.

  • 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.