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The risk of contracting diseases or unexpected injuries is high for doctors as any other occuaption. Thismakes it imperative for doctors to get physician disability insurance. Disability income policies for physicians replace a portion of their income, and if the policy includes a catastrophic rider, it will also provide an additional monthly benefit in the event the insured cannot perform at least two activities of daily living.
http://www.sourcebrokeragedi.com/blog/2014/07/physician-disability-insurance-relief-in-times-of-illness-or-injury/

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