Disability Insurance
Hi friends!
I am a PGY3 who is set to start gastroenterology fellowship in July. I have been mulling around the idea of getting disability insurance before I leave residency as I currently have no medical illness and want to get in a good rate before I get labeled with some chronic disease. My first question is, what kind of things should I be asking/ensuring I have covered? Second question, to the GI docs out there, do you find that your procedural work is 50% or more of your income (I know it will change based off practice type)? There is a provider that will give you your maximum benefit if you cannot perform procedures anymore, but only if your income is 50% or more from procedures.
I realize this may be premature, but I have a few family members that were in medicine and ended up getting injured or have some major medical event and are unable to practice medicine, so my threshold to want to get disability insurnace might be lower than others.
Thanks everyone!