Summary Of West Virginia 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 consult with one of our advisors.

West Virginia is a beautiful, strategically located state in the eastern U.S., home to some incredible historical sites and attractions that will take your breath away! One such place you can visit for centuries-old history (and maybe even find an old friend) would be Harper's Ferry; it's where two rivers meet – The Shenandoah River which flows through Northern VA before heading southwards towards Font Royal, VA while also connecting with Potomac near Washington DC.

Generally, West Virginia tends to rank high for quality health and disease-prevention categories. West Virginia was recently ranked as the 5th healthiest state, with a low infant mortality rate and an above-average percentage of residents who are considered neither obese nor overweight. It's also one of only six states in which people have better odds at getting insurance than they do access to medical care through their own plan!

Individual vs. Employer Disability Insurance

The comprehensive physician disability insurance we offer means having a true own-occupation definition, which is explained in detail in Chapter 2. Basically, it means that if you are disabled by an unpredictable catastrophic illness or injury and fired from your job as well then our company will provide full monthly benefits for the rest of your life without any limits on what type work you can do outside your specialty field but also with access to all educational achievements put forth up until this point while still being able remain employed during these trying times through some other industry where there may be demand just waiting out patiently at hand!

The full purpose of getting disability insurance with a true own-occupation definition is to obtain that optimal financial security you need.

Most employers will provide some sort of disability insurance as part of their benefits package. Unfortunately, their policies will come with several challenges for you to obtain any sort of financial security, such as:

  1. Employers don’t offer true own-occupation for their policies. In fact, most employers strictly offer any own-occupation definitions, which means in order to be classified as “disabled” and collect your benefits, you have to give up working any time while you collect your benefits. In addition…

  2. Employers will tax any benefit money you collect from your policy. Not only will you be unable to work and will only collect money from your benefits payout, but any money you do collect will also be taxed, leaving you with considerably less income than before you became disabled.

  3. Employers have the sole right to cancel or change your policy whenever they want. As the owner of your disability insurance policy, your employer retains the right to cancel or modify your policy at any time.

  4. Employer policies are non-transferable. If you happen to find an employer who provides a good disability insurance policy, you won’t be able to take that policy with you if you decide to go to another employer. This is problematic if you’ve spent years paying into your good policy, or if your next employer doesn’t offer quite as good of a policy as your last.

Let Pattern Do What We Do Best

Hopefully, we’ve helped you understand not just the importance of getting physician disability insurance, but disability insurance that offers the comprehensive financial security that will most help you and your family. If not, we provide an in-depth explanation of all facets of physician disability insurance in our Beginner’s Guide.

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.