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As a resident physician you can purchase disability insurance for medical residents. While you may not be making a large income, you are certainly putting in many hours perfecting your abilities. This heavy workload, by itself, is a good reason to have a resident physician disability insurance policy. But this is not the only reason.
Your first primary concern should be your most important asset. Assuming you do not yet have a penthouse condo or a large country home, your earning potential is your largest asset. It would seem to make little sense to risk that asset just as you wouldn't risk your home by not having sufficient insurance protecting it.
Although you are not yet enjoying a large income stream, you can find disability income insurance for medical residents with benefits up to $3,000 to $3,500 per month at a fairly reasonable cost. It is wise to look for policies that offer you future increase benefits. This provision normally a) guarantees future insurability without a medical exam, and b) allows you to increase your monthly benefit as your income increases. If this option is available, take it to protect you in the event you suffer an injury or illness that might affect you in the future.
Refer to your insurance policy contract for specific information regarding your coverage and for actual terms, conditions and exclusions. The above statements are general in nature and may or may not reflect the actual terms of your insurance policy.