Summary Of Maryland Specific Policy Features*

Percent More or Less than Average Premium

  • Male: -5.76%

  • Female: -2.31%

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 console with one of our advisors.

Maryland sits in the Mid-Atlantic region of the United States, which is generally located in the overlap between the Northeastern and Southeastern states. Known to locals as the Chesapeake Bay State, Maryland shares borders with five different states: Virginia, West Virginia, the District of Columbia, Pennsylvania, and Delaware.

With a total land and water area of 12,400 square miles, Maryland is home to approximately 6.19 million people and has a population density of 619 residents per square mile. The median household income for residents of Maryland is more than $80,000, giving the state a #1 rank among top U.S. states and territories by median household income.

As of 2021, there are 14,332 active physicians in Maryland specializing in a variety of medical areas including:

  • Psychiatry: 1,701

  • Surgery: 1,291

  • Anesthesiologists: 1,206

  • Radiology: 1,137

  • Emergency medicine: 1,008

  • Cardiology: 846

  • Oncology: 686

  • Endocrinology, diabetes, and metabolism: 261

  • All other specialties: 6,196

How Disability Insurance Makes a Difference

What is disability insurance mean to doctors? As we describe in our Beginner’s Guide, physician disability insurance is the key to obtaining financial security. It’s a type of insurance that provides physicians income in the event that they are unable to work due to an illness or injury. As defined in your policy, your disability could range from a long-term illness to a disabling accident that can take your career and your financial stability.

Getting physician disability insurance will protect you and those who depend on you because it covers the loss of income you would face with a physical disability. The best way to obtain good financial security from disability insurance is with something called true own-occupation. True own-occupation is a definition of your policy that pays your full benefit amount if you can’t perform your specific job duties in your particular specialty but can still be employed elsewhere.

For example, say you were an emergency room surgeon who got stage 3 cancer and was no longer able to perform your duties after receiving cancer treatment. With a true own-occupation long-term disability insurance policy, you would collect your full benefit amount and still be able to work as a professor or a general physician.

The Easiest Way to Get Disability Insurance

At Pattern, our goal is to provide you with the resources and expertise needed both to fully understand physician disability insurance, but also to find the best policy for you. 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 that offer physician disability insurance.

  • 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.