Percent More or Less than Average Premium
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.
Are you a practicing physician who is licensed in Nebraska? It can take anywhere from 12 to 16 weeks to get a Nebraska medical license. If you’re preparing for your state medical license, one of the most important things to pursue is your physician disability insurance.
As an option often overlooked by physicians, disability insurance offers you an effective measure taken to protect your financial security.
If you become injured from an accident, do you have long-term plans for funding when you’re unable to perform your physician duties? If you get diagnosed with a chronic illness that inhibits your ability to do your job, would your financial stability depreciate considerably?
In 2020, there were almost 30,000 motor vehicle crashes in Nebraska. Of those crashes, more than 14,000 (https://dot.nebraska.gov/media/115479/facts2020.pdf) people were injured as either the driver or the passenger. One crash occurred every 15 minutes with an average of 38 people getting injured in car accidents each day.
With car accidents alone, every accident could have a devastating result. Some of the most common physical injuries from motor vehicle accidents (https://www.jucm.com/assessing-patients-in-the-wake-of-motor-vehicle-accidents/) include the face and head; brain; neck; shoulder and arm; back; and leg. Coincidentally, all of these injuries can have long-term effects on your body. There is a statistical possibility that you may experience an injury that could take your career and financial stability.
Let’s say you get injured in a car accident: after developing a headache, it's determined you experienced a moderate traumatic brain injury. More than one million people experience a TBI every year, and 80,000 to 90,000 people experience the onset of long-term disability (https://www.cdc.gov/traumaticbraininjury/pubs/tbi_report_to_congress.html).
One of the primary benefits of physician disability insurance is how it works if your injury results in a disability. If you become disabled, your physician disability insurance will provide monthly paychecks to replace your income. This wonderful benefit will ensure that you are protected financially.
As we discussed in Chapter 4 of the 2023 Guide to Disability Insurance, there are a variety of companies that provide a form of disability insurance. However, when it comes to physician disability insurance, there are five exceptional companies that offer it. Known as the “Big Five,” these companies work with us in Nebraska to present you with personalized quotes for your disability insurance policy.
The Big Five companies include:
Obtaining physician disability insurance can be an overwhelming process, especially when you try to pursue it alone. At Pattern, our specialized teams will help you navigate the realm of disability insurance in a number of ways:
As you fill out your quote request form, our team members help you provide the most details.
Because of our outstanding relationships with the Big Five Companies in Nebraska, our team members provide personalized quotes.
We will provide guidance on price comparisons, contract disability definitions, medical requirements for your policies, and more.
Transparency is a key objective and we use all our books to help you understand everything before making your decision.
Once you make the decision on your policy, we will handle the paperwork so you can move forward with your life.
We can’t stress enough the importance of getting physician disability insurance. With one simple form, we will get your personalized disability insurance quotes and a customized report so you can compare your options.