Percent More or Less than Average Premium
Policy Options from All of the Big Six Companies:
Unisex Policies Offered
*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.
Pennsylvania is a state in the Mid-Atlantic region of America. It borders Delaware to its southeast, Maryland down south westward across several rivers including The Potomac which separates it from Washington D C half way between VA 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 need be taking roads less traveled.
The population of Pennsylvania has been steadily declining for many years, but it still ranks as one the most populated states in America. The 33rd largest by area and fifth most populous with over 13 million residents as 2020; centered around Philadelphia 625 thousand people), another 1/3 live Greater Pittsburgh which boasts 2 .37 million citizens). It also features several other major cities including Allentown (Muhlenberg) Scranton Lan caster ,Erie
A big part about 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
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. To have proper protection from disability insurance which provides money when unable at work due 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 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 + ability-to sell assets.
The two main types of disability insurance: 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. 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:
Mental health 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 2022 Guide to Disability Insurance what the six exceptional companies are that offer it physician disability insurance.
Known as the “Big 6,” these companies work with Pattern to present you with with personalized quotes for your disability insurance policy. The Big 6 companies include: Principal, Guardian, Mass Mutual, Ameritas, Standard and Ohio National.
When you work with Pattern, we help you with 3 very 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.
Would you like to learn more about our Guide to Physician Disability insurance?