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Physician disability insurance is a specialized policy designed to protect doctors' income if they become unable to work due to illness or injury. It provides financial security, covering a portion of their earnings during disability periods. Policies often include "own-occupation" coverage, ensuring benefits even if the physician cannot perform duties specific to their medical specialty. Premiums vary based on factors like age, gender, and specialty risk. Additional riders, such as cost-of-living adjustments or student loan coverage, can enhance protection. Fo
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