UVA Physician Disability Insurance

Disability Insurance for Residents and Fellows in Training

Protect the income you are training to earn.

No medical or
lifestyle underwriting

Up to $15K
per month

Specialty – Specific
Language

Local Focus

Supporting Residents and Early Career Physicians in the UVA Medical Community

Many physicians secure disability insurance during residency or fellowship training at the University of Virginia, when simplified underwriting and special program options are often available.

Your Ability to Earn Is Your Most Valuable Asset

$10M+

Potential Lifetime Earnings

10–15 years

Time Invested in Training

1 unexpected event

Illness & injury can Interrupt Income

Why Employer Disability Coverage May Not Be Enough

Limited Income Replacement
Benefit Caps
Benefits Often Taxable
Coverage Tied To Employer

PHYSICIAN TRAINING

Guaranteed Standard Issue Programs

20% UVA Resident Discount
No medical or lifestyle underwriting
Up to $15K per month of coverage
Specialty – Specific Language

Scenario

Why Physicians Secure Coverage During Training

A resident earning $65,000 today may earn $300,000 or more later in their career.

If an unexpected illness or injury prevented that physician from practicing their specialty, the financial impact could be significant.

Disability insurance obtained during residency can help protect that future income and often allows physicians to secure coverage before health history or career changes make coverage more difficult to obtain.

Policy Features

Physician disability insurance policies include features designed to protect income throughout a medical career.

Own Occupation Coverage
Future Increase Options
Cost of Living Adjustment
Partial Disability Benefits
Portable Coverage
Student Loan Riders

Designed for Physicians at Every Stage of Their Career

Physicians often secure disability insurance during training or early in their careers, when underwriting opportunities and coverage options are most favorable.

Medical
Students

Build a foundation for financial protection early in training.

Resident
Physicians

Protect income as your earning potential begins to grow.

Fellowship
Training

Coordinate income protection with specialty career plans.

Early Career
Physicians

Align coverage with increasing income and responsibilities.

Why Work With
a.martin & associates

Physicians often face complex disability insurance decisions. Guidance from someone familiar with physician specific policies can help simplify the process.

Focus on physicians
Compare policies across leading carriers
Long term financial guidance

Common Questions from UVA Residents and Fellows

Physicians training at the University of Virginia often have questions about disability insurance and when coverage should be secured.

Many insurance carriers offer special pricing and underwriting programs for residents and fellows at major training institutions such as the University of Virginia.

Many physicians secure coverage during residency or fellowship training when simplified underwriting programs and special discounts are often available.

Guaranteed standard issue programs allow eligible residents or fellows to obtain disability insurance with simplified underwriting and limited medical questions.

Physicians invest many years in training and rely on future income potential. Disability insurance helps protect that income if an illness or injury prevents them from practicing.

Some physician training programs qualify for coverage options that may not require a medical exam, depending on the carrier and program availability.

Let’s Build a Plan That Supports Your Career and Your Future

Schedule a consultation to discuss disability insurance and financial planning strategies designed for physicians.

SCHEDULE A CONSULTATION