Purchase Your DoctorsFSG Disability Policy Now!

Many people insure their car and home but forget to insure their most valuable asset, their ability to earn an income. What if one day you became sick or were injured and couldn't work? How long could you go without a paycheck?

No one knows when – or how – a disability will strike. Your chances of suffering a disability are greatest during your working years. According to a 2002 report by the Disability Insurance Resource Center, a 42-year-old has almost a 4 to 1 chance of becoming disabled for at least 90 days. Can you and your family afford not to have an income for three to six months? …..or more?

Residents, physicians, surgeons and dentists can apply for a medical specialty own-occupation disability insurance policy, which will protect your specialty as recognized by the American Board of Medical Specialties.

Own-Occupation is the most comprehensive definition of disability. It essentially states that you're unable to perform the material and substantial duties of your own occupation. Generally speaking, the insurer will consider your occupation as the job you were performing at the time of your disability.

Everything you have and everything you hope to have depends on your continued ability to go to work each day. In fact, it is your earning power that is the one asset that allows you to have all the others…

Residual disability insurance is a vital aspect to any policy. While you could be totally disabled for a short period of time, the effects of the time off could reduce your income for even longer. The residual disability rider provides benefits until your income recovers along with you.

1. Complete a Request for Information form
2. A licensed Agent will Contact you by phone or e-mail within 24 to 36 hours
3. Discuss the proposal with the agent
4. Complete The Application & return by Fax to your agent
5. Complete Paramedical Exam at your convenience and our expense
6. Application is submitted to Underwriting with lab results
7. Allow 45 to 60 days for underwriting
8. Policy is delivered (Pending it is Issued)
9. Premium is collected