High-limit Disability coverage, built for medical professionals.

Designed to help protect income when traditional carrier limits are capped.

  • Issue limits up to $150,000 monthly benefits

  • Participation up to 75% (personal) and 100% (business uses)  

  • “Own-occupation” with specialty recognition (terms apply)  

  • Optional Residual (15% trigger / 80% full) + COLA up to 10%/yr (plan dependent)  

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Physicians and surgeons are high-income earners with highly specific duties. The more specialized the work, the more disruptive even a partial limitation can be. As income increases, traditional disability carriers’ issue and participation limits often decrease. Meaning that many medical professionals need a layered plan to reach approximately 65% income protection. Years of training and specialization make protecting earning capacity a core part of financial planning.

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Why is Coverage Important?

For physicians and surgeons, income depends on the ability to perform precise physical and cognitive tasks that cannot be compromised. A natural illness, whether neurological, cardiac, autoimmune, or chronic can quietly disqualify your ability to practice your specialty, even if you are otherwise able to work. When your livelihood is tied to a specialized skill, income protection must be structured to protect that reality.

  • Build a tiered strategy targeting about 65% income protection, based on compensation and existing coverage (case dependent).  

  • Place high-limit coverage when traditional carriers reduce issue and participation limits at higher incomes.  

  • Align coverage to clinical reality with own-occupation and specialty recognition where applicable (terms apply).  

  • Add protections for partial disability and inflation: Residual (15% trigger / 80% full) and COLA up to 10% per year (plan dependent).

  • Manage underwriting through delivery and keep coverage aligned as income and responsibilities change.

How WAIN Helps

Physicians & Surgeons High-Limit Disability (Primary or Supplemental)

Designed to supplement existing disability coverage or provide the entire approximately 65% benefit if the underlying insurance can’t be obtained.

Key features (plan dependent):

  • Monthly benefits pay after the elimination period, for as long as total disability continues, subject to the benefit period.  

  • Lump Sum Benefit for permanent total disability, up to 10× annual income (case dependent).  

  • Residual Rider pays with 15%+ income loss; 80%+ may pay full monthly benefit.  

  • COLA Rider provides CPI-based increases up to 10% per year.  

  • Policy provisions may include presumptive disability, transplant benefit, and recurrent disability options (terms apply). 

Products Offered

“As a former diver, I experienced firsthand how difficult it was to secure coverage while working in a high-risk profession. After facing the challenges of finding protection, I founded WAIN to make sure no one in similar environments or demanding careers is left without the safety net they deserve.”

-Darwin Pichardo, Broker/Founder