At Disability Insurance Law Group, our attorneys represent surgeons nationwide who have suffered the trauma of a disabling injury, illness, or condition that keeps them from working.
To become a surgeon, individuals must:
In total, it takes at least 13 years post-high school to complete the required education and training to become a surgeon, and it may take more time for an advanced specialty or to participate in a fellowship. We know how hard you have worked to get to where you are, and when the unthinkable happens, pursuing your disability insurance should be a streamlined process.
The average salary for a surgeon in the United States in 2023 is $431,265. However, salaries vary widely depending on specialty and experience, ranging from $236,497.68 to $746,190.96.
The substantial physical, psychological, emotional, and financial investments you make to become a surgeon are often protected by disability insurance — whether a private policy you purchased on your own or an employer-provided group policy.
Both should be there when you need them. This is why we are here.
Our nationwide disability insurance attorneys help surgeons pursue their complete coverage benefits no matter where you live or work in the U.S. Contact our skilled surgeon disability insurance claims attorneys today to learn how we can help put your policy to work for you.
Surgeons should consider getting disability insurance policies for several important reasons, including:
Surgeons typically have high earning potential due to their extensive education and specialized skills. Disability insurance provides financial protection by replacing a portion of their income if they become disabled and cannot perform surgeries or work in their medical profession. It helps maintain their standard of living and meet financial obligations, such as mortgage payments, student loan repayments, and other expenses.
Surgeons undergo years of training and education to develop their specialized skills. If a disability prevents them from practicing surgery, it can be challenging to transition to a different occupation that matches their skill set and income level. Disability insurance can help bridge the financial gap during such a transition.
Disability insurance policies can be tailored to suit the specific needs of surgeons, accounting for their income level, occupation, and individual preferences. They can choose the benefit amount, waiting period, and policy terms that best align with their financial goals and circumstances.
Surgeons often work in demanding and high-stress environments, which can increase the risk of injuries and disabilities. The physical and mental demands of surgery, long working hours, and potential exposure to occupational hazards make them susceptible to accidents or health conditions that may lead to disabilities.
Surgery is a hands-on profession that requires precision and skill. A disability affecting a surgeon’s ability to perform surgery can be financially devastating. Disability insurance can replace income, ensuring financial stability during recovery or rehabilitation.
Surgeons who operate their own medical practices may have substantial overhead expenses, such as rent, equipment, and staff salaries. Disability insurance can cover these expenses if a surgeon becomes disabled, allowing the practice to continue operating smoothly.
Disability insurance helps protect a surgeon’s retirement savings. Without income replacement, a disability could lead to the depletion of retirement funds or the inability to continue contributing to retirement accounts.
Surgeons may have substantial student loan debt from medical school and residency. Disability insurance can ensure they can continue to meet their student loan obligations even if they cannot work.
Knowing they have disability insurance can give surgeons peace of mind, reducing the financial stress and uncertainty associated with a disabling injury or illness. This allows them to focus on their recovery and well-being.
Given the high stakes and financial implications associated with a disabling injury or illness, surgeons should consider disability insurance a critical component of their financial planning and risk management strategy. It offers a safety net that helps preserve their financial security and professional achievements in the face of unexpected disabilities.
Disability insurance provides financial protection for surgeons nationwide should they become unable to work due to a disability or injury, whether they have a private or employer-supplied policy, often governed by the Employee Retirement Income Security Act of 1974 (ERISA).
The definition of disability can vary widely among private insurance policies. Some policies may use an “own occupation” definition, which considers the insured disabled if they cannot perform the duties of their specific occupation. Others may use an “any occupation” definition — like ERISA-governed policies — requiring the insured to be unable to work in any occupation for which they are reasonably suited. This can complicate the disability claims process.
No matter which type of policy you have or who the insurer may be, our attorneys work tirelessly to ensure that surgeons receive the maximum benefits to which they are entitled under their policy, including both short-term and long-term disability benefits, by developing a strategic approach to maximize the likelihood of a successful claim.
Let us take the lead in your case and pursue actual results that allow you to enjoy the quality of life of putting your claim behind you, just as we have successfully done for thousands of professionals nationwide.
Contact our skilled nationwide disability insurance attorneys for surgeons today by calling (954)-989-9000 or contact us online to schedule a completely free and confidential case assessment so we can put our over 50 years of combined experience to work for you — no matter where you work or live in the U.S.
Fill out the form and we’ll be in touch with you shortly, or call us now at 954-989-9000.
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