Summary Of Mississippi Specific Policy Features*

Percent More or Less than Average Premium

Male: -0.79%

Female: 2.83%

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.

Mississippi is located in the Southeastern region of the United States and is named after the Mississippi River, located on the state’s western boundary. As the nation’s 32nd largest state, Mississippi covers a total distance of 48,430 square miles. More than 1,500 square miles of Mississippi is covered in water areas, which contributes to the state’s surplus in aquatic wildlife, lakes and state parks.


As of 2020, the resident population in Mississippi was almost 3 million and the number of active specialty physicians in the state is 3,522. The specialty physicians actively providing medical care in Mississippi work in more than 7 main areas including:


  • Emergency medicine: 407

  • Surgery: 390

  • Radiology: 324

  • Anesthesiologists: 291

  • Psychiatry: 267

  • Cardiology: 189

  • Oncology: 124

  • Endocrinology, diabetes, and metabolism: 51

  • All other specialties: 1,479


Choosing Your Term for Disability Insurance

As a vital step toward comprehensive income stability, 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. When browsing disability insurance policy options, there are two main types of disability insurance to consider: short term and long term.


Short term disability insurance generally covers physicians between 3–6 months, replaces up to 80 percent of your income while you’re covered, and covers more temporary disabilities such as back injuries, arthritis, childbirth or maternity leave, or vehicle accident injuries.


What happens if you have a serious illness or injury that prevents you from working longer? Long-term disability insurance normally covers you until you’re 65 years old, replacing your income if you can’t do your job duties for an extended period 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


How to Get Your Disability Insurance Policy

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 to any of the Big 6 Companies that offer policies for doctors. We are only looking out for your best interests and are dedicated to keeping you informed as you complete the process.


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 6 Companies

  • 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.

  • 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!