Since physicians know a lot about staying healthy, they get sick less, right? Probably not.

In this world, there are no guarantees. Becoming a doctor doesn’t mean becoming immune to sickness and accidents.

Medical caregivers are just as prone to diseases as any other person. Like the rest of us, physicians need and receive medical care too. However, more often than not, when a physician is sick for a period of time, to creates havoc for his medical practice. Christianna McCausland of Baltimore Magazine writes.

“When a doctor does become sick, it creates a complicated situation for not only the physician patient, but for the physician treating the doctor, and the patients that the sick doctor oversees.”

In some cases, illnesses can leave doctors disabled for years or even their life. No amount of lectures and hands-on activities at medical school could prepare doctors for this scenerio, especially if the disease isn’t their expertise.”

Financial planners can take the lead with their physician clients and help them prepare for an unexpected illness or injury that interupts their ability to practice in their specialty with quality disability insurance policies aimed at protecting their incomes and medical practices. Physicians need disability insurance policies that protect them in their specialty. Self-employed physicians may also need business overhead expense policies that will pay the expenses of the business in the event of a disabling illness or injury for up to 24 months.

The risk of contracting diseases or unexpected injuries is high for doctors as any other occuaption. Thismakes it imperative for doctors to get physician disability insurance. Disability income policies for physicians replace a portion of their income, and if the policy includes a catastrophic rider, it will also provide an additional monthly benefit in the event the insured cannot perform at least two activities of daily living.

Working with Source Brokerage, Inc, brokers have access to multiple carriers who provide the strong disability contracts their physician clients need. In addition, Source Brokerage can provide sales ideas targeted specifically for physician clients. For example, because disability income carriers have issue and participation limits, physicians practicing in high-income medical specialties may need to purchase disability income policies from two physician disability carriers to replace the highest possible percentage of their income.

(Source: “When Doctors Get Sick,” Baltimore Magazine)