Summary Of South Carolina 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.

South Carolina is a state known for its subtropical beaches and sea islands. The city of Charleston has an old history, with pastel-colored houses defining the architecture found throughout this historic area along what some refer to as “The Grand Strand." A roughly 60 mile stretch where you can find golf courses alongside surf towns like Myrtle Beach - all within reach if your looking forward or desires relaxing getaways!


This statistic depicts the number of active physicians in South Carolina as of March 2021, ordered by specialty area. At that time, there were 617 anesthesiologists active in South Carolina. There were over 6,829 active physicians in the state. Of those 6,829 there are many physicians who actively practice medicine in several different specialty areas including:


  • Emergency medicine: 817

  • Anesthesiologists: 617

  • Psychiatry: 782

  • Surgery: 830

  • Radiology: 609

  • Cardiology: 347

  • Oncology: 201

  • Endocrinology, diabetes, metabolism: 87

  • All other specialties: 2,539



What is Comprehensive Disability Insurance?

Disability insurance is a type of coverage that helps cover the costs if you become unable to work because your injury/illness. As we cover in Chapter 2 of our Guide to Disability Insurance, there are different types of definitions of disability including:


  • True own-occupation

  • Transitional own-occupation

  • Modified own-occupation


True own-occupation pays you your full benefit if you can’t perform your specialty, but can still be employed elsewhere. For example, if you’re a neuropsychiatrist who becomes disabled and can’t perform your specific duties, but decide to become a professor of psychiatry. You will be paid your full disability insurance benefit, while still collecting your income as a professor.


How Does Pattern Help Find Policies?

At Pattern, we provide you with the resources and expertise needed to understand physician disability insurance, but also help find the best policy for your needs as an independent agency that doesn't have any affiliation or relationship of any kind with Big 6 Companies which include: 


  • Principal

  • Guardian

  • Ameritas

  • Standard

  • Mass Mutual

  • Ohio National 


Who we work on behalf can be described simply: Our goal is always about doing what's right by our clients—give them all they need in one place so there isn’t guesswork involved when buying life-changing coverage!


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!