Disability Insurance for Physicians Every physician knows they need a portable own occupation physician specific policy. The reason is an own-occupation physician specific policy provides your disability benefit if you can’t work as a physician regardless of other income sources or employment (even if you’re able to work in another occupation). DEB Financial is independent of any specific insurance carrier (DEB Financial does not develop our own products), making our recommendations objective and transparent. We simplify the process to help you find a risk management strategy tailored for you. We work with the major own occupation physician specific disability insurance carriers to help find disability coverage tailored specifically for you.Anyone can be the victim of a disability but due to the high cost of education and high earning potential, it’s especially important for physicians to get a disability policy as soon as possible. As a future attending physician, you can potentially save hundreds of dollars (in the form of discounts) simply by applying during residency/fellowship. However, you don’t have to begin paying for the policy until you enter practice (for at least 5 months).