Your income is higher. So is the cost of waiting.
As an attending, your income, lifestyle, family responsibilities, and long-term plans are likely built around your ability to keep practicing. If illness or injury limits your ability to work in your specialty, the financial impact can be significant.
This is especially important for surgeons and other high-income specialists whose work depends on physical ability, precision, stamina, and procedural skill.
Key risks this coverage helps address:
- Losing the ability to perform the duties of your specialtyRelying only on employer group coverage
- Waiting until a health issue makes coverage more expensive or unavailable
- Buying a policy without understanding the definitions and riders that matter
Strong coverage, structured correctly
For attending physicians, disability insurance needs to be built around your specialty, income, and career stage. PPG helps you evaluate the details that determine whether the policy does what you expect.
We focus on:
- Specialty own-occupation definition: Coverage designed around your ability to practice your specialty
- Rider selection: Prioritizing the options that matter for your income and risk profile
- Benefit structure: Matching coverage to your current income and long-term needs
- Discount access: Identifying the maximum discounts available for your situation
- Underwriting strategy: Helping you move through the process with fewer surprises
Work directly with Billy
This is not a call center process. You work directly with Billy Gwaltney, a physician disability insurance specialist and author of Disability Insurance for Physicians.
Billy personally helps attending physicians understand their options, compare coverage, and make decisions with confidence.
What that means for you:
- Direct guidance from a specialist, not a generalist
Clear explanations without pressure - Recommendations built around your specialty and income
- Long-term support as your career and needs change
Built for physicians whose specialty income depends on specialized skill
For surgeons, proceduralists, and other high-income specialists, the definition of disability can matter as much as the benefit amount. A policy should account for what you actually do, not just the fact that you are a physician.
This is especially relevant if you are a:
- Surgeon
- Anesthesiologist
- Interventional specialist
- Emergency physician
- High-income procedural or specialty physician
Group coverage may not be enough
Employer-provided disability coverage can be helpful, but it often comes with limitations. Definitions, benefit caps, taxation, portability, and partial disability provisions can vary widely.
A personal policy can help address:
- Specialty-specific protection
Portability if you change jobs or states - Benefit design that better matches your income
- Gaps in group coverage
Quick answers for attending physicians
