Physician disability insurance is one of the most important financial tools a doctor can own and one of the most commonly misunderstood. Most physicians know they need it. Far fewer understand what their current policy actually covers, whether the definition of disability in their contract is adequate for their specialty, or why the group plan provided by their employer is almost certainly not enough on its own. In 2026, with the cost of a disability claim potentially reaching into the millions of lost dollars over a career, getting this right is not optional.
Month: July 2026
Physician Malpractice Insurance in 2026: What Doctors Need to Know About Rising Premiums
Physician malpractice insurance is one of the largest and least discussed expenses in a doctor’s financial life, and in 2026 it is getting more expensive for the seventh consecutive year. Premiums are rising across specialties and geographies, driven by forces that have little to do with whether individual physicians are practicing well. Understanding what is behind the increases, what your coverage actually needs to look like, and where you have room to manage costs is not just financial housekeeping. In today’s liability environment, it is essential.