Disability insurance for physicians is easy to think about in abstract terms until the moment your own health forces the issue. I was reminded of that in a recent episode of THE Income Protection Podcast, when I spoke with Dr. Peter Crane, a rural family physician in Idaho, about the night he accidentally opened his own CT scan while working an emergency department shift. I’m Jamie Fleischner, CLU, ChFC, LUTCF, and I host the podcast. Over the years, I’ve spoken with countless physicians about income risk, but this conversation unfolded differently from the start. Peter wasn’t sitting in a waiting room when he learned something was wrong. He was on the job, caring for other people, when a radiology report came through. Out of habit, he clicked. Only then did he realize the scan on his screen was his. What the image showed was not subtle. A 28-centimeter sarcoma, roughly the size of a football, filled the left side of his abdomen. He describes that moment without melodrama, almost clinically, which somehow makes it more unsettling. He had gone to bed feeling fine. He had been exercising. He was doing what physicians are taught to do. Yet there it was, undeniable, revealed in the same PACS system he used every day to interpret other people’s crises. As Peter tells it, the most disturbing part wasn’t the diagnosis itself but the realization of how long his body had been signaling something he had not allowed himself to see. Aside from a modest weight loss, there were no obvious symptoms. Only later, looking back at photographs, did he recognize the gauntness that had crept in over more than a year. It’s a detail that lingers, because it exposes how easily even medically trained professionals can normalize warning signs when life is busy and responsibility is constant. When we moved into how the diagnosis affected his work, the story became even more revealing. Peter practices in a rural community where coverage is thin and absence is felt immediately. Instead of stepping away, he tried to keep going. Radiation treatments required a long drive, so he left early, received treatment, drove back, and aimed to be at work by midmorning. At the time, he framed it as toughness. In hindsight, he calls it foolish. What he was really doing was trying not to surrender his role as the reliable one, the physician who shows up no matter what. The only time he truly stopped was after surgery, and even then it came with conditions. A surgeon who had once been his medical school preceptor agreed to operate only after extracting a promise that he would take six full weeks off. She understood something many physicians struggle to accept about themselves: the instinct to return too soon is not courage, it’s habit. That instinct, as our conversation made clear, is closely tied to how physicians think about disability insurance. Peter had an individual, medically underwritten disability policy purchased early in his career, shortly after residency. He did not end up filing a claim during that initial period, largely because he used accumulated sick leave and returned to work relatively quickly. From a narrow financial perspective, the policy stayed quiet. From a broader perspective, it mattered enormously. Once the cancer diagnosis was in his medical record, underwriting doors closed. There was no opportunity to shop for better terms, no chance to increase coverage, no ability to rethink decisions made a decade earlier. The policy he already had became the policy he would always have. As he talked about this on the podcast, there was a pause that doesn’t translate well on paper. You can hear him realizing, in real time, how permanent those early choices were. When Coverage Freezes in Time One of the most instructive moments in our discussion came when Peter admitted that he had never really revisited his coverage as his career advanced. He paid the premiums. He accepted incremental increases. Meanwhile, his income grew, his responsibilities expanded, and the gap between what the policy was designed to replace and what it would actually replace widened without him noticing. Only after his diagnosis did he look back and wish he had periodically asked whether the coverage would still approximate the income replacement people often assume disability insurance provides. That regret is not unusual. Many physicians treat insurance decisions as administrative tasks rather than living strategies. Listening to Peter describe this out loud, you hear how easy it is to confuse diligence with adequacy. He did everything “right” by conventional standards, and still found himself wishing he had been more intentional. Our conversation also moved into territory that rarely makes it into tidy articles about income protection. Peter spoke about filling out disability paperwork for his own patients and how, before his illness, it often felt like an unwelcome administrative burden. After becoming a patient himself, he sees those forms differently. A disability claim can hinge on how clearly a physician explains limitations to someone who does not understand the nuances of medical work. It’s not about exaggeration. It’s about translation. For physicians with complex roles, that nuance matters. Peter’s work spans outpatient clinic, inpatient care, emergency medicine, nursing home rounds, and obstetrics. If a health condition limits one part of that spectrum, how does an insurer evaluate loss when other functions remain technically possible. In the audio, you can hear him wrestle with how inadequate simple job descriptions are for capturing real professional capacity. It’s one of those sections where listening matters more than reading, because the complexity reveals itself in the way he searches for words. I also asked him whether physicians are adequately educated about these risks early on. His answer was measured but telling. Human resources departments serve entire organizations, from entry-level staff to highly specialized clinicians, and he does not recall anyone clearly explaining why physicians are uniquely exposed in their early careers. High debt, little accumulated wealth, and an income stream that depends entirely on physical and cognitive capacity create a fragile window that many people underestimate. The Part That Isn’t Really About Insurance As the episode unfolded, it became clear that this was not just a discussion about disability insurance for physicians. It was also about identity. Peter spoke candidly about the embarrassment he felt at first, the impulse to hide his illness, the strange experience of receiving chemotherapy from nurses who would later see him in the emergency department. He described moving back and forth between being the doctor and the patient, sometimes in the same day, and how that dual role reshaped his empathy. That context matters, because it explains why planning is often deferred. Physicians are trained to be resilient, to push through, to minimize their own needs. The very qualities that make them dependable caregivers can make them reluctant planners. Hearing Peter talk about this, you realize how much of disability planning is emotional, not technical. The episode ends with advice that sounds simple until you hear the weight behind it. Secure coverage early. Do it before diagnoses begin to accumulate. Revisit it as your career evolves. Keep lifestyle inflation in check during the years when you are most financially vulnerable. Spoken by someone who can no longer change his own answers to those questions, the guidance lands differently. You can read about disability insurance in any number of places. What you can’t get from an article is the tone of this conversation, the hesitation before certain admissions, or the quiet moments where experience replaces theory. To understand why this story resonates so deeply, you really do need to hear how Peter tells it.