Summary Of North Dakota 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 console with one of our advisors.

North Dakota is a state with an East Coast and Midwest feel. The Great Plains give way to rolling hills in the east, which are dotted by small towns built upon their immigrant history - such as Minot or Fargo- consoles North Dakotans call home today. Theodore Roosevelt National Park along its border on the Little Missouri River offers visitors some breathtaking views that will make them wish for more time spent outdoors.

If you are one of the active physicians within the state of North Dakota, this page is for you. You are one of 953 physicians from a variety of specialties including:

  • Emergency medicine: 67 active physicians

  • Radiology: 113

  • Surgery: 157

  • Psychiatry: 141

  • Anesthesiologists: 78

  • Cardiology: 41

  • Oncology: 33

  • Endocrinology, diabetes and metabolism: 14

  • Total: 953

The benefits of physician disability insurance are two-fold. Not only does this policy replace your income in the event that you become injured or sick, but it also allows for an extension on work permits while covering medical expenses related to injuries sustained during employment as well!

In fact, there are several disability insurance policies available to you where you if become too disabled to perform your job, you can collect your monthly policy benefits and still go work somewhere else. These policies are called true own-occupation policies and Chapter 2 of our 2023 Physician Disability Insurance Guide is dedicated to learning about it.

Disability Insurance Policy Definitions

For physicians, the definition of their disability insurance contracts is the most important part of the entire contract. To be clear, there are several different types of disability definitions including:

  • True own-occupation

  • Transitional own-occupation

  • Modified own-occupation

  • Any occupation

True own-occupation is the most valuable definition of disability. It allows you to continue working in your profession if injured or disabled, but it also pays out full benefits when a lost employment opportunity arises because of injury.

For example, a neurosurgeon who becomes disabled can still practice as a general surgeon or professor at another university—he's just considered "medically disqualified" from performing surgeries without modifications to his/her skill set

How Can Pattern Help You

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:

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

  2. 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.

  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!