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Disability Insurance for Cardiologists in Missouri

What to look for  |  Insurance company literature  |  Quotes  |  Forms

According to Medscape's 2022 Physician Compensation Report, the average Cardiologist in the Kansas City, Missouri - St. Louis, Missouri area with 1-7 years experience earns $376,863 per year. Over the next 25 years with 3% annual increases, that pencils out to $13,740,148 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 Cardiologists

Cardiologists, whether with invasive duties or not, have special considerations when it comes to selecting a disability income insurance policy. The definition of disability should be specialty-specific so that cardiology is the relevant reference, but it is even better if surgery itself may be an independent determinant.

In a disability scenario, a Cardiologist would want to be paid full benefits due to being disabled as a Cardiologist, even if he or she could work as another kind of physician; or perhaps could still practice cardiology but couldn't do surgery. Furthermore, the definition of disabled should permit working in a different occupation (or medical specialty) without compromising benefits. This is because disability benefits are rarely adequate to provide the same standard of living, and the disabled Cardiologist may have to re-train for another specialty.

Some of the Insurers We Work With

MassMutual Logo
Principal Logo
Guardian Logo
Standard Logo
Mutual of Omaha Logo
MetLife Logo
Illinois Mutual Logo

Availability is subject to underwriting and state approval.

Brochures | Forms

Missouri

MassMutual

An overview of policy features and options

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MassMutual

A description of the Own Occupation Rider (available for additional cost)

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MassMutual

Highlights MassMutual's strengths

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To get started, tell us about your needs and qualifications using this intake form.

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This is an insurance solicitation per regulations issued by the Missouri Department of Commerce and Insurance 301 W. High St., Room 530, Jefferson City, MO 65101 573-751-4126 #https://insurance.mo.gov/# ;insurance license # 8345962 (Rip Curtis)

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