Your Disability Insurance Matters More Than Your Car Insurance

Physicians insure their cars and homes without thinking twice. The asset paying for both usually gets a lot less thought: future income.

A doctor in their 30s with 25 to 30 working years left has earning power worth millions. Depending on specialty, maybe tens of millions.

That doesn't mean you need every insurance product someone can sell you. There's an endless supply of those.

But the paycheck that funds everything else deserves a real plan. I'd start by knowing exactly what your current disability coverage does and doesn't do.

To be clear, I'm not saying buy everything. I'm saying know what you have.

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