What is your most valuable financial asset and are you protecting it? It’s not your House or Car which you insure? And it’s probably not your investments or any other asset you own. Your most important financial asset is YOU and your ability to earn income. Think of yourself as the goose that lays the golden eggs. The golden eggs are the houses, cars, and other things you accumulate. You protect those eggs and you insure them. However, without the goose there would be no golden eggs. Therefore, the most important item to insure is the goose that produces those eggs. That’s what disability insurance does, it insures your most important asset, YOU!
What is the financial value of you and your ability to earn an income? Most people are surprised to learn how much income they stand to earn over their working years. The following chart illustrates the cumulative income potential over a physician’s career at varying ages.
– A physician Earning $300,000 annually who becomes permanently disabled at age 40 could lose $7,500,000 of earned income through retirement age 65.
– A physician Earning $500,000 annually who becomes permanently disabled at age 45 could lose $10,000,000 of earned income through retirement age 65.
Where This Fits in Your Plan
You don’t need to make a decision today, but you do need to understand your options.
The strongest disability insurance decisions are often made before limitations, diagnoses, or career changes narrow what is available.
Clarity creates confidence. And confidence helps physicians make stronger decisions about protecting the income they’ve worked years to build.
If you’re reviewing your disability insurance, preparing for private practice, or evaluating your income protection strategy, understanding the details now can create more flexibility later.
To build a stronger financial foundation and better understand how career, money, and risk work together, download the FREE Medical Professionals Blueprint here.
If you would like to schedule a disability insurance strategy session, click here.
If you would like to request physician disability insurance quotes, click here.
About MD Disability Quotes
MD Disability Quotes was founded by disability insurance specialists Scott Nelson-Archer and Amber Stitt to help physicians, dentists, and high-income medical professionals build stronger income protection strategies through education-first planning.
With decades of combined experience in physician disability insurance, underwriting strategy, and income protection planning, Scott and Amber work with medical professionals nationwide to design disability insurance strategies that are portable, specialty-specific, and aligned with the long-term realities of a medical career.
Amber Stitt is also the host of The Responsible Resident, a podcast built to help residents, fellows, and early-career physicians better understand disability insurance, underwriting, and the financial decisions that shape long-term career flexibility.
Their work centers on helping physicians make informed decisions early—before health changes, career transitions, or underwriting limitations affect future options.
You can email us: info@mddisabilityquotes.com
Call 713-966-3932 (9 AM-5 PM Central)
Text 281-770-8080 at your convenience.