Summary Of Vermont Specific Policy Features*

Percent More or Less than Average Premium

  • Male: 7.92%

  • Female: 11.75%

Policy Options from All of the Big Five Companies:

Yes - However Transitional Occupation Policies are offered for Principal and Ameritas

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 consult with one of our advisors.

Vermont is a state in the New England region known for its natural landscape--which consists primarily of forested areas. It also has more than 100 19th-century covered wooden bridges and produces syrup from maple trees thousands upon acres across mountain terrain crossing hiking trails as well skiing slopes.

As of 2021, there were 1,256 active physicians in Vermont working under a number of specialties including:

  • Emergency medicine

  • Anesthesiologists

  • Radiology

  • Surgery

  • Psychiatry

  • Cardiology

  • Oncology

Understanding Terms of Disability Insurance

As an important factor for financial security, physician disability insurance is a type of insurance that provides income in the event that you are unable to work due to an injury or illness. Your disability could be from a long-term illness to a disabling accident, which either could take your career and financial stability.

It’s important to know the difference between the two main types of disability insurance: short-term and long-term. As we explain in Chapter 1 of our Disability Insurance Guide, short- and long-term disability are often distinguished by how long they’ll keep paying your income. Short-term disability insurance generally covers physicians between 3–6 months, replaces up to 80 percent of your income while you’re covered, and covers common short-term disabilities such as arthritis, childbirth, or maternity leave.

Long-term disability insurance normally covers you until you’re 65 years old, replacing your income if you can’t do your job duties for an extended period of 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

How to Find Physician Disability Insurance

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:

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

  • 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.

  • 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.