Work Directly With Licensed Disability Insurance Experts
Specialized guidance for physicians — no outsourcing, no third parties, no handoffs.
Disability insurance for physicians is nuanced, especially when it comes to true own-occupation coverage.
At Pattern, you work directly with licensed insurance agents who understand medical specialties, compensation structures, and the importance of protecting your ability to practice.
Our in-house licensed advisors guide you from consultation to policy placement, helping you compare and secure coverage designed specifically for your medical career.
HOW IT WORKS
Securing the right coverage doesn’t have to be complicated or time-consuming.
In just a brief call, our licensed agents shop top carriers and present your best options — at no cost to you.
Quick Call with an Advisor
Connect with a licensed advisor for a brief, no-pressure call designed to understand your goals and answer your questions. In just 15 minutes, you’ll get clear guidance and next steps—no obligation required.
We Shop the Top Carriers
Instead of comparing policies on your own, we shop multiple top-rated insurance carriers on your behalf. This ensures you see the best options available, all in one place, without the hassle.
Choose the Best Plan for You
With expert guidance and side-by-side comparisons, you can confidently select a plan that fits your career, lifestyle, and budget. The result is coverage that protects your income—on your terms.
Get the Coverage that Works for You
Your ability to practice medicine is your most valuable asset. Disability insurance helps protect your income if illness or injury prevents you from working—supporting everything from student loans and living expenses to long-term savings.
Many physicians rely on employer-provided disability coverage, but these policies often leave critical gaps. Individual coverage can offer stronger, more tailored protection. The chart below compares the key differences.
Quickly Compare Individual Coverage vs. Employer Plan
Shopping for and Buying Individual Disability Insurance, Made Easy
Your skills are your most valuable asset — and employer disability insurance often isn’t enough to protect them.
Group plans can limit benefits, lack portability, and leave critical gaps in coverage.
With individual disability insurance, you stay in control. Get specialty-specific protection, true own-occupation coverage, and a policy that moves with you throughout your career.
At Pattern, we make it simple to secure coverage built for physicians — fast, clear, and personalized.
Learn how to protect your income and career in our Physician’s Guide to Individual Disability Insurance.
Frequently Asked Questions
How long does it take to get a disability policy in place?
In most cases, it takes between 1-3 months from start to finish!
What’s the process look like?
We’ve developed a simple plan that allows you to relax while we do the heavy lifting. The first step is simply to request your quotes. The second is to compare the policy options that we put together for you and get answers to any questions you have. And the third is to apply and buy risk-free.
If I'm a resident or fellow, will I need to increase my benefit amount once my training is done?
If you would like to, you can increase it! Once you receive a signed contract, get in touch with us. Your monthly benefit and premium will depend on your new income, age, and state you’ll be practicing. The process is simple and will not require you to undergo underwriting all over again.