Summary Of Pennsylvania Specific Policy Features*

Percent More or Less than Average Premium

  • Male: -5.76%

  • Female: -2.31%

Policy Options from All of the Big Six Companies:

Yes

Unisex Policies Offered

No

*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.

Pennsylvania is a state in the Mid-Atlantic region of America. It borders Delaware to its southeast, Maryland southwestward across several rivers including the Potomac which separates it from Washington DC, halfway between Virginia and DC before curving around into Virginia where another river forms part boundaries with West Virginia making up most all land except for small pieces at either end that belong somewhere else entirely; then again you can also go overland if you'd rather take roads less traveled.

The population of Pennsylvania has been steadily declining for many years, but it still ranks as one of the most populated states in America. The 33rd largest by area and fifth most populous with over 13 million residents in 2020, centered around Philadelphia (625 thousand people, another 1/3 live in Greater Pittsburgh, which boasts 2 .37 million citizens). It also features several other major cities including Allentown, Muhlenberg, Scranton, Lancaster, and Erie.

A big part of this decline can be attributed to migration trends where those moving away are not replaceable because there aren't enough children left behind. Available jobs prop up family income rates making economic stability difficult if not impossible.

There are currently 28,288 active physicians in Pennsylvania, with a patient-to-doctor ratio of 433 to 1. Physicians are active in a variety of specialties including:

  • Emergency medicine: 3,466

  • Surgery: 3,106

  • Anesthesiologists: 2,334

  • Radiology:2,601

  • Psychiatry: 2,680

  • Cardiology: 1,993

  • Oncology: 1,264

  • Endocrinology, diabetes, and metabolism: 433

  • All other specialties: 10,401

Why Physician Disability Insurance?

If you are a physician in Pennsylvania, it’s important to protect your financial security and income if disabled. Having proper protection from disability insurance—which provides money when unable to work due to an injury or illness—would allow for stability during this trying time of recovery.

The need arises as many people who become disabled may no longer be able to provide services they once did before being struck down by something such as cancer; there's nothing worse than seeing someone lose everything because he/she had no way around losing his job and ability to sell assets.

There are two main types of disability insurance: short-term and long-term. Short-term disability insurance generally covers physicians between 3–6 months, and replaces up to 80 percent of your income while you’re covered. On the other end of the spectrum, long-term disability insurance generally 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

Working with Pattern

Once you’ve decided on the physician disability insurance you want, next you will need to work with Pattern to get your desired policy from one of the Big 6 Companies. We explain in Chapter 4 of the Beginner's Guide to Disability Insurance what the six exceptional companies are that offer physician disability insurance.

Known as the “Big 6,” these companies work with Pattern to present you with personalized quotes for your disability insurance policy. The Big 6 companies include:

When you work with Pattern, we help you with 3 very simple steps:

  1. Request your quotes: you fill out a quote request form, and we submit it to each of the Big 6 Companies

  2. 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.

  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.

Would you like to learn more? Check out our Guide to Physician Disability insurance.