Military Physicians and Dentists

Secure Your Financial Future Before Transitioning Out: Lock in Lifetime Savings and Protection

As a military physician, it’s critical to establish your individual disability insurance while you are still in uniform.

Here’s why acting early will put you miles ahead.

a young woman military physician dressed in army fatigues

Earlier age = money in your pocket

Premiums are based on your current age and stay level or fixed for life. Starting your coverage as early in your career as possible means you’ll pay thousands less over your policy lifetime. Every year you wait costs you about 2 years of extra payments to age 65.

Exclusive 25% military discount

While you are still in uniform, you are eligible for a permanent 25% savings that continues even after you separate and even on all future benefit increases. This elite perk vanishes the moment you separate.

Avoid the VA Exam minefield

Separation physicals and VA disability claims will flag conditions that will hinder your ability to obtain a comprehensive policy. These conditions will be excluded, increase your rates, and can even prevent you from obtaining any coverage at all. Apply before you start this process to keep your record clean and your options wide open. One medical note could lock you out of this valuable income protection. Don’t risk it.

Joel Schofer’s Career Planning Blog (MCCareer.org): A Valuable Resource for Military Officers

Many of our military physician clients recommend Joel Schofer’s blog and other content. They cite his career guidance and perspective as someone who has served our country, grown an impressive career, and succeeded as an entrepreneur as particularly useful.

Introducing Captain (Retired) Joel Schofer, MD, MBA, CPE

Captain (Retired) Joel Schofer is a highly decorated naval officer and board-certified Emergency Medicine physician whose career illustrates military medical leadership. For military physicians looking to navigate their careers effectively, CAPT(r) Schofer’s insights and resources are an essential guide.

Why We Recommend Joel’s Work to Military Officers

  • Dedicated Career Advocacy: As the creator of MCCareer.org, he is passionate about keeping Navy Medicine officers informed, successfully promoted, and financially secure. His site offers invaluable, real-world tools for military officers, including his widely used “Promo Prep” and “FITREP Prep” guides.
  • Leadership Experience: Joel has held some of the highest leadership roles in Navy Medicine, including serving as the Deputy Chief of the Medical Corps for 4,300 Active and Reserve physicians, and as the Director of U.S. Naval Hospital Guam.
  • Vast Operational Background: A Certified Physician Executive and Adjunct Associate Professor at USUHS, his career spans from deploying with the Marine Corps in support of Operation Enduring / Iraqi Freedom to leading over 270 physicians as the Emergency Medicine Specialty Leader for the Department of Defense.

Check out the blog!

Physicians are our specialty.

Disability Insurance custom-designed for physicians, by specialists with decades of experience advising medical professionals.