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Disability Insurance for Anesthesiologists in Texas

According to Medscape's 2022 Physician Compensation Report, the average Anesthesiologist in the Houston, Texas - Dallas, Texas - Austin, Texas - San Antonio, Texas area with 1-7 years experience earns $349,123 per year. Over the next 25 years with 3% annual increases, that pencils out to $12,728,768 in total career earnings, assuming he/she remains healthy enough to receive it. That's a lot to leave to chance; and that's why disability insurance is so important.

Considerations for Anesthesiologists

The best disability income insurance for anesthesiologists depends on the priorities. Group programs are low cost and easy to acquire, but individual programs have stronger guarantees and features. Your qualifications determine what guarantees and features are available to you, and at what cost.

Cost reduction options will follow your submission of the intake form due to the complexity of underwriting guidelines.

A policy configured to pay a benefit of $10,000 per month from day 91 to age 65, with a True Own Occupation definition of disability, might cost as follows:

Male age 25: $179.21 per month, level to age 65

Male age 26: $188.72 per month, level to age 65

Male age 27: $199.07 per month, level to age 65

Male age 28: $210.26 per month, level to age 65

Male age 29: $217.72 per month, level to age 65

Male age 30: $225.93 per month, level to age 65

Male age 31: $234.06 per month, level to age 65

Male age 32: $242.63 per month, level to age 65

Male age 33: $251.63 per month, level to age 65

Male age 34: $260.68 per month, level to age 65

Male age 35: $272.38 per month, level to age 65

Male age 36: $284.29 per month, level to age 65

Male age 37: $297.04 per month, level to age 65

Male age 38: $310.43 per month, level to age 65

Male age 39: $322.90 per month, level to age 65

Male age 40: $336.29 per month, level to age 65

Male age 41: $349.67 per month, level to age 65

Male age 42: $365.10 per month, level to age 65

Male age 43: $380.57 per month, level to age 65

Male age 44: $395.14 per month, level to age 65

Male age 45: $410.39 per month, level to age 65

Male age 46: $426.59 per month, level to age 65

Male age 47: $443.33 per month, level to age 65

Male age 48: $458.15 per month, level to age 65

Male age 49: $472.88 per month, level to age 65

Male age 50: $486.51 per month, level to age 65

Male age 51: $498.68 per month, level to age 65

Male age 52: $508.65 per month, level to age 65

Male age 53: $515.88 per month, level to age 65

Male age 54: $520.45 per month, level to age 65

Male age 55: $523.10 per month, level to age 65

Male age 56: $525.66 per month, level to age 65

Male age 57: $528.32 per month, level to age 65

Male age 58: $530.97 per month, level to age 65

Male age 59: $533.62 per month, level to age 65

Male age 60: $536.28 per month, level to age 65

Female age 25: $347.00 per month, level to age 65

Female age 26: $365.69 per month, level to age 65

Female age 27: $384.70 per month, level to age 65

Female age 28: $404.21 per month, level to age 65

Female age 29: $418.31 per month, level to age 65

Female age 30: $432.64 per month, level to age 65

Female age 31: $447.48 per month, level to age 65

Female age 32: $462.08 per month, level to age 65

Female age 33: $477.19 per month, level to age 65

Female age 34: $489.88 per month, level to age 65

Female age 35: $502.43 per month, level to age 65

Female age 36: $521.78 per month, level to age 65

Female age 37: $539.65 per month, level to age 65

Female age 38: $557.82 per month, level to age 65

Female age 39: $573.96 per month, level to age 65

Female age 40: $590.04 per month, level to age 65

Female age 41: $603.35 per month, level to age 65

Female age 42: $615.77 per month, level to age 65

Female age 43: $627.12 per month, level to age 65

Female age 44: $637.22 per month, level to age 65

Female age 45: $648.20 per month, level to age 65

Female age 46: $664.39 per month, level to age 65

Female age 47: $681.90 per month, level to age 65

Female age 48: $697.58 per month, level to age 65

Female age 49: $713.84 per month, level to age 65

Female age 50: $730.68 per month, level to age 65

Female age 51: $749.07 per month, level to age 65

Female age 52: $766.81 per month, level to age 65

Female age 53: $782.92 per month, level to age 65

Female age 54: $794.63 per month, level to age 65

Female age 55: $800.66 per month, level to age 65

Female age 56: $804.69 per month, level to age 65

Female age 57: $808.71 per month, level to age 65

Female age 58: $812.74 per month, level to age 65

Female age 59: $816.86 per month, level to age 65

Female age 60: $820.88 per month, level to age 65

In this example, the policy form is ICC22-800 issued by Principal Financial Group, assuming no adverse health ratings, non-nicotine, with a 2 year special limit on psych/substance claims. This is a generic example, not a quote. To find out your actual cost - and what you qualify for - you must apply so that the insurer may underwrite for your individually specific risk factors. Each insurer has their own information practices disclosure, but the areas of interest are generally regarding occupation, employment, financial, lifestyle and medical history.

Cost reduction options will be discussed after your submitted intake form has been reviewed.

JJ1151 needs presentation
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An introduction to the need for income protection, including common causes of disability claims, probability, examples, and putting the choices in perspective.

Principal Financial Group JJ1151

JJ1507C-04 policy brochure
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An overview of the definition of disability, policy mechanics and policy options

Principal Financial Group JJ1507C-04 (12/22)

JJ2345 definition(s) of disability brochure
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How the defintion of disability can make a difference in the benefits you receive

Principal Financial Group JJ2345 (01/23)

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Request customized proposals or get the application process started using this intake form.  The process will be explained as you go along and most questions are optional for now. 

 

If you have a quick question, just call Rip directly or send a note

This is an insurance solicitation per regulations issued by the Texas Department of Insurance 333 Guadalupe Austin TX 78701 512-676-6000 #https://www.tdi.texas.gov/# ;insurance license # 1726888 (Rip Curtis)

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Availability is subject to underwriting and state approval.

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