IFM | Coverage and Care: What Family Physicians Should Know About Disability Insurance

On this episode of 'Inside Family Medicine', you'll hear from Jered Hunt, president of AAFP Insurance Services, and Eric Muehlbach, disability insurance manager, about why disability insurance is a critical part of a family physician's financial plan. They emphasize protecting a physician's greatest asset, future earning potential, by securing coverage early to lock in insurability due to intensive medical underwriting. The discussion covers how to start by reviewing existing employer benefits, common limitations such as own-occupation caps, monthly benefit caps, offsets, taxation of employer-paid benefits, and poor portability, and how personally owned policies can supplement coverage and travel throughout a career.

Topics by Timestamp

00:32 Meet the Guests

01:09 Why Disability Matters

02:40 How to Get Covered

03:11 Evaluating Employer Plans

05:19 Choosing Coverage Amounts

06:47 Picking the Right Advisor

08:28 Claims and New Benefits

10:25 Career Stage Advice

11:52 Wrap Up and Resources

Additional Resources

Home - AAFP Insurance Program

Individual Disability Income - AAFP Insurance Program

Complimentary Insurance Review - AAFP Insurance Program

Disclaimer: Copyright 2025. AAFP. The views presented in this broadcast are the speaker's own and do not represent those of AAFP.  The information presented is for general, educational, or entertainment purposes and should not be considered legal, health, financial, or other advice.  AAFP makes no representation as to the accuracy or completeness of the information and is not responsible for results that may arise from its use.  Consult an appropriate professional concerning your specific situation and respective governing bodies for applicable laws. Reference to any specific product or entity does not constitute an endorsement or recommendation by AAFP unless specifically stated otherwise.  AAFP and the AAFP logo are registered trademarks of American Academy of Family Physicians.