The field of medicine has evolved so much in recent years that no one simply identifies themselves as a doctor anymore. There are specialties and subspecialties that categorize the particular service that is being provided. Take Anesthesia for example. In the past when one mentioned that he/she was an anesthesiologist the general consensus was that he/she worked in operating rooms and in layman’s terms put people to sleep. That has all changed. Now an anesthesiologist can specialize in pain management or focus on a particular aspect of the field as it relates to areas such as emergency rooms, or hospice. Of course this is nothing new to you as a professional in the field but what are the ramifications as it relates to obtaining quality disability coverage for yourself in your area of specialty?
Put simply it all depends upon the risk of claim within that subspecialty. For example there is a high incidence of drug abuse among certain types of anesthesiologists. That being said the insurance carriers are likely to flag an individual based on statics and charge more or not offer protection in what would be known as a mental/nervous category. There are other risk factors to take into consideration as well such as the long hours of standing, the opportunity to be injured by sharp instruments and your own personal health history and age. It is important to note that the earlier you obtain this protection the better your chances for having the maximum benefit package. I say this because many residents have not yet decided on their specialty and the options for premium coverage (without any hurdles) are far more obtainable at this time then when you have entered into your area of expertise.
The take away from this should be to purchase your disability coverage as early as possible. It can always be a simple policy that can be upgraded as your income allows. Please feel free to contact us for advice or assistance. We have been working with professionals in anesthesia for almost 30 years and have the expertise to get you the best coverage available.
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