A free, private calculator built for physicians. See how much your group LTD actually covers, what it's missing, and what a real policy would cost — no sign-up required.
EM physician, $421K/yr
Recommended
$22,804
Gap
$17,804
Premium
$351–1053
~3%
Estimated current prevalence of disability among practicing physicians.
Source: AAMC / JAMA Network Open data.
~1 in 5
Commonly cited industry estimate for physicians experiencing a disabling condition at some point in their career.
Widely circulated in industry materials, not tied to a single verifiable study — treat as directional, not precise.
Everything runs in your browser. We don't see your income, your health history, or your existing coverage unless you choose to share your email.
Premium ranges, carrier notes, and specialty data cite published rate guides and industry research — not guesses. See our methodology in the guides section.
We're not a carrier or a licensed agency. Nothing here is a quote or an offer to sell insurance — just a free tool to help you ask better questions.
The single most important thing physicians misunderstand about disability insurance — and the gap that group LTD almost never fills.
See how MedDisabilityCalc stacks up against SalaryDr, MedMoneyGuide, White Coat Investor, and others in the space.
A short PDF covering own-occupation definitions, riders worth paying for, and questions to ask before you sign anything.