Disability Insurance

At Kaplan Financial, we specialize in helping physicians secure "own-occupation" disability insurance. With more than 3,500 physician clients nationwide and over 30 years of experience, our in-depth understanding of physicians' disability insurance and investment planning needs allows us to deliver comprehensive protection at competitive rates. We believe The White Coat Investor readers and our clients respect our professional knowledge and appreciate our honesty and common sense approach to disability insurance. We understand that early planning to pursue financial security is critical.

We are pleased to be the exclusive provider of the Guardian/Berkshire Life Guaranteed Standard Issue (GSI) Plan for residents and fellows training at UCLA Medical Center, UCSF Medical Center, Mayo Clinic, Kaiser Permanente, UChicago Medicine, NewYork-Presbyterian (Columbia, Weill Cornell, and Queens Hospital), University of Rochester, and have access to over 50 additional GSI programs at training hospitals throughout the country.

Whether you are an emergency room physician, anesthesiologist, neurosurgeon, cardiologist, or orthopedic surgeon, we can help you obtain coverage from the most respected, financially secure disability insurance companies in America. Employer sponsored discounts of 10% to 25% and lower unisex pricing for females are available at participating hospitals. 

By starting a plan now, your policy and premium (based on your age at the time you purchased your policy) are guaranteed to age 65. This means that the insurer can not later increase your rates, modify your contract, or cancel your policy for any reason, including your disability. Additionally, as your income increases, you may have the ability to increase your coverage regardless of any changes in your health.

Customize your Coverage:

  • Non-Cancelable & Guaranteed Renewable
  • "Own Occupation" Specialty-Specific Definition of Disability
  • Total and Partial/Residual Disability Benefits
  • Age 65, 67 or 70 Benefit Period
  • Future Insurance Option (FIO) Rider
  • Optional Inflation Protection (COLA) Rider
  • Optional Retirement Plan Protection (RPP) Rider
  • Optional Student Loan (SLR) Rider 
  • Optional Catastrophic Disability Benefit (CDB) Rider
  • Financially Strong Insurer - Standard & Poor’s, A.M. Best, and Comdex Composite Score

Available Carriers:

  • Ameritas 
  • Berkshire/Guardian  
  • Lloyds of London 
  • MassMutual 
  • Ohio National (AuguStar Life)
  • Principal Financial 
  • The Standard 
  • Unum