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Physician Disability Insurance

Why Get Physician Disability Insurance

Physicians are very important in every society, Canada is not an exception. It is not a surprise that physicians are some of the highest paid professionals. However, the professional’s great asset is his ability to work.

As a matter of fact, if the physician is unable to work due to injury or some other causes, he may not earn a salary, you definitely don’t want that, do you? No one wishes to be disabled, but disability happens. Disability can occur due to work-related and non-work-related causes and most employers will not pay you if you are off work, no matter the reason.

The best way to protect your source of income against disability is by taking out physician disability insurance. With the right physician income replacement plan, you can get up to 60 percent of your salary in the event of a disability.

Before taking out physician DI, you need to make sure you research the policy options and shop around in order to choose the best coverage. With the extensive resources provided by Insurdinary, you can compare policy options to choose the plan with the best rates and disability benefits.

To get a quote for physician disability insurance, click here.

The Difference between Long- & Short-Term Physician Disability Insurance

disability insurance

Physician Short Term Disability Insurance

If you are disabled for a short period of time, you don’t have to lose your earnings. Losing your earnings for a whole six months or one year could have a negative impact on your family. You can avoid this by taking out short-term disability insurance. This type of disability insurance lasts from 30 days to one year and it could even last longer depending on the insurer.

Physician Long Term Disability Insurance

Some disabilities may last for a long period of time, in some cases, a lifetime. In such a case, you need physician long term disability insurance. This type of disability insurance covers disabilities due to accidents, illnesses, and injuries. The long-term physician disability insurance may be effective until the insured is healthy enough to return to work or until the age of retirement, usually 65 years of age.

To learn more about physician long term disability insurance, click here.

What is Covered in Physician Accident Insurance?

Most work-related and non-work-related injuries, accidents, and illnesses are covered by physician disability insurance. It may also cover non-illnesses such as pregnancy and childbirth.

Physician disability insurance may exclude pre-existing conditions. These are medical conditions the professional is diagnosed with before the start date of the physician disability insurance policy.

Physician Injury Insurance Coverage:

Coverage for total disability
Partial disability benefits
Retraining benefits and recovery benefits
Physician disability insurance coverage for mental illness
Physician disability insurance coverage for pregnancy
Survivor benefits
Compassionate disability

To learn more about physician accident insurance, click here.

Be Prepared for Anything, No Matter Where You Work

You don’t have to lose your salary because of a disability. Get disability insurance today to make sure you are covered wherever you work.

Canadian Institutes for Physicians

Learn about Physician DI

There are a number of physician associations and institutes in Canada. Here are a few of such associations.


    • Ontario Medical Association – 150 Bloor St W, Toronto, ON M5S 3C1 – (416) 599-2580


    • Alberta Medical Association – 611 Meredith Rd NE #350, Calgary, AB T2E 2W5 – (403) 266-3533


    • Manitoba College of Family Physicians – 1695 Henderson Hwy, Winnipeg, MB R2G 1P1 – (204) 668-3667


    • New Brunswick Medical Society – 21 Alison Blvd, Fredericton, NB E3C 2N5 – (506) 458-8860


    • Saskatchewan Medical Association – 2174 Airport Dr #201, Saskatoon, SK S7L 6M6 – (306) 244-2196


    • Newfoundland and Labrador Medical Association – 164 MacDonald Dr, St. John’s, NL A1A 4B3 – (709) 726-7424


    • Yukon Medical Council – 307 Black St, Whitehorse, YT Y1A 2N1 – (867) 667-3774


To learn more about physician associations in Canada, click here.

Purchase Physician Disability Insurance in Minutes – Easy!

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Finding the best physician disability insurance is easy with Insurdinary. Simply sign up, get quotes sent directly to your inbox, and buy your perfect plan online.

Purchasing physician disability insurance should be the least of your worries. Get quotes now to protect your income and salary!


Step 1 – Get Quotes

Answer a few questions about your occupation to get quotes sent straight to you.

Step 2 – Compare Rates

Compare plans and prices from top level disability insurance providers.

Step 3 – Buy Online

Choose a plan and buy the perfect insurance plan in minutes.

Canadian Physician Accident Insurance Statistics

The population of physicians in Canada increased remarkably in 2016. Data from the Canadian Institute for Health Information (CIHI) shows that there were over 84,000 physicians in Canada in 2016. This is equivalent to 230 per 100,000 population.

CIHI’s report also shows that the total clinical payments to physicians increased by 3.4 percent between 2016 and 2017 to $25.7 billion.

To learn more about physician accident insurance, click here.


Injuries Physicians Suffer From

Physicians deal with people suffering from varieties of ailments. So, they are exposed to a lot of occupational hazards and risks. Job hazards for physicians are not similar to those of physically demanding jobs like construction workers but physicians should take out physician disability insurance to protect themselves against financial loss due to disability.

Some of the common injuries common to physicians include:

Moral injury
Stick injuries
Musculoskeletal pain
Noise-induced hearing loss
Contact dermatitis
Work-related malignancies

To learn more about physician injury insurance, click here.

Get the Lowest Rates on All Types of Insurance

Insurdinary has you covered no matter what. Shop online for the best insurance coverage and rates in Canada.

Physician Injury Insurance FAQ

Looking for physician disability insurance coverage?

Learn more about how to get the best price physician disability insurance online by checking out the Frequently Asked Questions below.

Can you terminate an employee on long-term disability?

Employers may be able to terminate the employment of an employee on long-term disability. However, if the employer improperly terminates such an employee, he may be exposed to legal issues.

Do physicians need disability insurance?

Yes. Physicians may be exposed to several work-related injuries which might result in a disability. Some non-work-related injuries might also result in a disability. This is why you need physician disability insurance.

How much physician disability insurance do I need?

Typically, a physician needs disability insurance that amounts to about 60 percent of his net monthly income.

How much should I pay for disability insurance?

Whether short or long-term, disability insurance would typically cost about 1 to 3 percent of your gross annual income. In other words, if you are making $100,000 in a year, you will pay from $1,000 to $3,000 in disability insurance.

To learn about physician injury insurance, click here.

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