Skip to main content
Doctor and patient in cabinet

Wherever you train or work, we'll help you secure the best option available

This specialty own-occupation disability insurance is with the top carriers and is fully portable. It also includes discounts, streamlined underwriting, and in some cases Guaranteed Standard Issue (GSI), which waives the medical screening. We’ll confirm what applies to you, then recommend the strongest specialty coverage with the maximum discounts available for your situation.

What we’ll do for you:

  • Confirm the options and discounts based on your training program or employer
  • Explain what the options actually mean for your situation
  • Recommend the best advisable path forward
Get a Quote

Clarity you can act on

In one short step, you’ll know the best options for your specialty and what to do next.

View More

Get a Quote

Talk through your situation, stage of career, and priorities. We’ll clarify what the best and strongest coverage looks like for your specialty.

  • Which definitions and riders matter most
  • Clear next steps, without pressure
  • Concierge-level support during underwriting and implementation, and ongoing expert service throughout your career, including (and especially) if a claim is filed
Get a Quote
Clear guidance. No obligation.

Policy Review

Already insured? We’ll review your current policy so you understand the definition, riders, and any gaps before you ever need to file a claim.

  • Confirm whether your policy truly protects your ability to practice your specialty
  • Review riders, benefit structure, and common gaps
  • Get a clear summary of what to keep, change, or add
Policy Review
Fast, practical, and objective.

Why physicians choose PPG

You can get quotes anywhere. Just having disability insurance does NOT mean it will pay a claim. The PPG difference is getting the details exactly right for your situation and specialty, and then also having expert support when things change and you need it the most.

...
...

Specialty-first guidance

We focus on how properly structured disability insurance applies to the realities of practicing your specialty or subspecialty.

...

Clear advice on the details that drive outcomes

Definitions, riders, discounts and any tradeoffs explained in plain English, so you can make a confident decision.

...

Concierge-level follow-through

Streamlined underwriting and implementation support, clear next steps, and long-term expert service as your career evolves.

Learn about Specialty Own-Occupation

See How We Work
Disability Insurance for Physicians book cover
...

Work with the person who wrote the book on physician disability insurance

Physician disability insurance is a detail-driven decision. Definitions, riders, and policy structure really matter, especially at the time a claim is filed. PPG helps you get these details right with clear guidance and a simple process built around a physician’s schedule.

  • Work directly with Billy Gwaltney (ChFC, CLU) and his team
  • Serving physicians for 30+ years
  • Author of Disability Insurance for Physicians → Get the Book
  • Concierge-level support through policy implementation and beyond
Buy Now

Testimonials

Dr. Kelly

Trauma Physician

"Billy was tremendously helpful in explaining the policy and the process of making a claim… Having this disability policy has relieved a huge source of stress at a very difficult time."

Dr. Christian

Orthopedic Surgeon

"He never tried to up-sell me anything, but rather took the time to explain each option clearly so that I could make my own informed decisions."

Dr. Myers

Female Pelvic Medicine and Reconstructive Surgery

"I met Billy over 4 years ago when I was finishing my OBGYN residency… He took the time to explain the pros and cons… without making me feel pressured to purchase any."

Quick answers physicians are searching for

...
...

Clear, direct answers to the questions that most often determine whether a policy truly protects your specialty income.

Get a Quote or
Policy Review
It generally means you can qualify for full policy benefits if you cannot perform the material and substantial duties of your occupation, specialty or subspecialty, even if you can still work in another role. The exact wording matters, so it should be verified in the policy itself.
Learn More
No, not if you need income if you become disabled. While it can look good on paper, just having disability insurance does not mean it will pay a claim. Through no fault of an employer, group policy definitions are limited and can result in no benefits benefits being paid. A review can help you understand what it would do in a real claim scenario.
Learn more
The true specialty own occupation definition of disability (in some policies this is part of the base contract, in some it’s a rider you add), the enhanced partial/residual benefit and the long-term recovery benefit. Depending on your career stage, it’s important to consider the coverage increase riders (usually called the Benefit Increase Rider or Future Increase Option) and COLA (cost of living adjustment) rider which keeps pace with inflation during a claim.
Learn more
Technically there is no specific deadline for buying disability insurance. And self-insuring (i.e., using personal funds to fully cover lost income from a disability) can work for awhile. That said, it’s generally advisable to start early, especially before health changes or a disability actually occurs. Also your initial policy benefit can be low (some carriers let you start as low as $500/month or $1000/month of coverage), which allows you to (a) secure coverage before a disability occurs, (b) lock in your good health forever (because there is no additional medical screening for adding coverage later as an attending) and (c) secure the discount for life on all coverage amounts for life.
Learn more
Many physicians can get clarity quickly on their preferred option. Electronic enrollment takes 30 minutes. Depending on any medical screening needed, carriers usually need one to three weeks to issue coverage. We will outline the expected steps and timeline up front for your specific situation.
Learn more
We clarify your situation, priorities and specialty. We then discuss the coverage options, structure and discounts. We make sure your questions are answered and talk for as long as you need. You leave with clear next steps.
Schedule a call

More resources