Pattern

Most physicians spend their 20s and early 30s delaying life.

Delaying:

Financial freedom
Stability
Vacations
Time with family
Major milestones

While friends build careers, physicians are still in training — sacrificing time, sleep, and years of earning potential to build a future in medicine.

Then suddenly, everything changes.

The attending contract.
The paycheck.
The responsibilities.
The pressure to make the “right” financial decisions.

For many physicians, this is the first time they begin thinking seriously about protecting the income they worked years to build.

Because after delaying so much for your career, protecting your future start.

Want help protecting the income you worked years to build? Learn more about your options at https://na2.hubs.ly/H05WBdS0

𝗘𝘃𝗲𝗿 𝘁𝗿𝘆 𝗻𝗲𝗴𝗼𝘁𝗶𝗮𝘁𝗶𝗻𝗴 𝘄𝗶𝘁𝗵 𝗮𝗻 𝟴𝟬𝟬-𝗹𝗯 𝗴𝗼𝗿𝗶𝗹𝗹𝗮?

My daughter did.
He stared… she stared…
Nobody moved. 😅

And honestly?
Doctors trying to negotiate disability insurance premiums have about the 𝘴𝘢𝘮𝘦 success rate.

Here’s the truth:
You 𝗰𝗮𝗻’𝘁 haggle DI rates. Not with charm, persistence, or even your MD behind your name.

𝗥𝗮𝘁𝗲𝘀 𝗮𝗿𝗲 𝗹𝗼𝗰𝗸𝗲𝗱 𝗶𝗻 𝗯𝘆 𝗮𝗴𝗲, 𝗵𝗲𝗮𝗹𝘁𝗵, 𝘀𝗽𝗲𝗰𝗶𝗮𝗹𝘁𝘆, 𝗮𝗻𝗱 𝘀𝘁𝗮𝘁𝗲-𝗿𝗲𝗴𝘂𝗹𝗮𝘁𝗲𝗱 𝗽𝗿𝗶𝗰𝗶𝗻𝗴.

BUT—> just like stepping around the gorilla instead of arguing with him, there are smart ways to lower your cost:

1️⃣ 𝗔𝗽𝗽𝗹𝘆 𝗘𝗮𝗿𝗹𝘆
Younger + healthier = cheaper. Wait a few years? Your premiums climb… fast.

2️⃣ 𝗘𝗺𝗽𝗹𝗼𝘆𝗲𝗿 𝗗𝗶𝘀𝗰𝗼𝘂𝗻𝘁𝘀
If a broker already serves multiple physicians at your hospital, you may get built-in discounts.
***Pattern has these at most major health systems nationwide.

3️⃣ 𝗖𝘂𝘀𝘁𝗼𝗺𝗶𝘇𝗲 𝗬𝗼𝘂𝗿 𝗣𝗼𝗹𝗶𝗰𝘆 (𝗦𝘁𝗿𝗮𝘁𝗲𝗴𝗶𝗰𝗮𝗹𝗹𝘆)
You don’t need every bell and whistle.
You do need the 3–4 riders that actually protect your income.
The rest? Optional.
(𝗗𝗠 𝗶𝗳 𝘆𝗼𝘂 𝘄𝗮𝗻𝘁 𝘁𝗼 𝗸𝗻𝗼𝘄 𝘄𝗵𝗶𝗰𝗵 𝗿𝗶𝗱𝗲𝗿𝘀 𝘆𝗼𝘂 𝘀𝗵𝗼𝘂𝗹𝗱 𝗶𝗻𝗰𝗹𝘂𝗱𝗲 𝘄𝗶𝘁𝗵 𝘆𝗼𝘂𝗿 𝗽𝗼𝗹𝗶𝗰𝘆)

You can’t negotiate premiums…
But you can outsmart them.

𝗘𝗺𝗽𝗹𝗼𝘆𝗲𝗿 𝗗𝗶𝘀𝗮𝗯𝗶𝗹𝗶𝘁𝘆 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗶𝘀 𝗡𝗢𝗧 𝗱𝗲𝘀𝗶𝗴𝗻𝗲𝗱 𝗳𝗼𝗿 𝗱𝗼𝗰𝘁𝗼𝗿𝘀.
And honestly? For physicians… it kind of sucks. 👀

Here’s the truth most employers don’t realize:

Group disability insurance is built to cover everyone under the roof---> from the admin desk to the janitorial staff.
It doesn’t care about specialty training, surgeon-level skillsets, or the fact that your income is your biggest financial asset.

So what does that actually mean for you?

Let’s hit the big problems 👇

• 𝗜𝘁’𝘀 𝗻𝗼𝘁 𝘁𝗿𝘂𝗲 𝗼𝘄𝗻-𝗼𝗰𝗰𝘂𝗽𝗮𝘁𝗶𝗼𝗻.
Most employers think it is… but it rarely protects your actual medical duties.

• 𝗬𝗼𝘂 𝗰𝗮𝗻’𝘁 𝘁𝗮𝗸𝗲 𝗶𝘁 𝘄𝗶𝘁𝗵 𝘆𝗼𝘂.
Most physicians leave their first job within 3 years. Your coverage stays behind.

• 𝗛𝗲𝗮𝗹𝘁𝗵 𝗰𝗵𝗮𝗻𝗴𝗲𝘀? 𝗧𝗼𝗼 𝗯𝗮𝗱.
If something develops in those first 3 years, your future insurability might be gone.

• 𝗕𝗲𝗻𝗲𝗳𝗶𝘁𝘀 𝗮𝗿𝗲 𝘁𝗮𝘅𝗮𝗯𝗹𝗲.
Your employer deducted the premiums → you take home 30–40% less than the number you’re counting on.

• 𝗧𝗵𝗲𝘆 𝗰𝗮𝗻 𝗰𝗵𝗮𝗻𝗴𝗲 𝘁𝗵𝗲 𝗽𝗼𝗹𝗶𝗰𝘆 𝗮𝗻𝘆𝘁𝗶𝗺𝗲.
Nobody asks you. Nobody needs your permission.

• 𝗗𝗲𝗳𝗶𝗻𝗶𝘁𝗶𝗼𝗻𝘀 𝗮𝗿𝗲 𝘃𝗮𝗴𝘂𝗲.
The broader the definition of disability, the easier it is for the insurer to 𝗱𝗲𝗻𝘆 𝗰𝗹𝗮𝗶𝗺𝘀.

Now, most employers mean well. They think they’re giving you a solid benefit.

But here’s the final punch to the gut:
Group coverage actually 𝗹𝗶𝗺𝗶𝘁𝘀 your ability to secure the high-quality, true own-occupation protection physicians actually need.

So here’s the real comparison:

𝗣𝗿𝗶𝘃𝗮𝘁𝗲 𝗗𝗶𝘀𝗮𝗯𝗶𝗹𝗶𝘁𝘆 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 (𝗕𝗶𝗴 𝟱 𝗖𝗮𝗿𝗿𝗶𝗲𝗿𝘀)
✔ True own-occupation
✔ Tax-free benefits
✔ Portable (go wherever your career takes you)
✔ You can still earn income in another job and collect full benefits
✔ Covers partial disability + recovery periods
✔ COLA available

𝗘𝗺𝗽𝗹𝗼𝘆𝗲𝗿 𝗚𝗿𝗼𝘂𝗽 𝗖𝗼𝘃𝗲𝗿𝗮𝗴𝗲
✘ Not own-occupation
✘ Taxable
✘ Not portable
✘ No ability to work elsewhere and still receive benefits
✘ Partial disability often not covered
✘ No recovery benefit
✘ COLA rarely included
✘ Everyone qualifies… which is part of the problem

Doctors: your income is your engine.
𝗣𝗿𝗼𝘁𝗲𝗰𝘁 𝗶𝘁 𝘄𝗶𝘁𝗵 𝘀𝗼𝗺𝗲𝘁𝗵𝗶𝗻𝗴 𝗱𝗲𝘀𝗶𝗴𝗻𝗲𝗱 𝗳𝗼𝗿 𝗬𝗢𝗨, 𝗻𝗼𝘁 𝗳𝗼𝗿 “𝗲𝘃𝗲𝗿𝘆𝗼𝗻𝗲.”

Pattern specializes in helping doctors compare and buy true own-occupation disability insurance. DM if you'd like help reviewing your options.

🔥 𝗧𝗵𝗲 𝟯 𝗺𝗼𝗻𝗲𝘆 𝗺𝗶𝘀𝘁𝗮𝗸𝗲𝘀 𝗜 𝘀𝗲𝗲 𝗲𝗮𝗿𝗹𝘆-𝗰𝗮𝗿𝗲𝗲𝗿 𝗱𝗼𝗰𝘁𝗼𝗿𝘀 𝗺𝗮𝗸𝗲 𝗼𝘃𝗲𝗿 𝗮𝗻𝗱 𝗼𝘃𝗲𝗿.

❌ 𝗠𝗶𝘀𝘁𝗮𝗸𝗲 #𝟭: 𝗟𝗶𝗳𝗲𝘀𝘁𝘆𝗹𝗲 𝗜𝗻𝗳𝗹𝗮𝘁𝗶𝗼𝗻
First attending paycheck hits… and suddenly everything levels up.
But margin —> not upgrades It won’t.
And every year you wait costs you the one thing you can’t buy back: 𝗧𝗜𝗠𝗘.
Start early. Let compound interest do the heavy lifting.

❌ 𝗠𝗶𝘀𝘁𝗮𝗸𝗲 #𝟯: 𝗧𝗿𝘂𝘀𝘁𝗶𝗻𝗴 𝗘𝗺𝗽𝗹𝗼𝘆𝗲𝗿 𝗕𝗲𝗻𝗲𝗳𝗶𝘁𝘀
Your hospital’s disability plan looks fine… until you need it.
• 𝗧𝗮𝘅𝗮𝗯𝗹𝗲.
• 𝗡𝗼𝘁 𝗽𝗼𝗿𝘁𝗮𝗯𝗹𝗲.
• 𝗪𝗮𝘁𝗲𝗿𝗲𝗱-𝗱𝗼𝘄𝗻 𝗽𝗿𝗼𝘁𝗲𝗰𝘁𝗶𝗼𝗻.
You need 𝘁𝗿𝘂𝗲 𝗼𝘄𝗻-𝗼𝗰𝗰𝘂𝗽𝗮𝘁𝗶𝗼𝗻 coverage that protects your specialty —> not whatever HR negotiated to keep benefits expenses low.

💡 Quick recap:
• Keep lifestyle tight
• Invest early
• Protect your income with DI

Do these three and you’ll quietly put distance between you and your peers.