# Seaworthy Insurance > Independent insurance brokerage specializing in individual disability insurance for high-income professionals. Founded 2011. 15+ years placing policies for physicians, dentists, CRNAs, software engineers and other technology professionals, attorneys, executives, and other high-earning professionals. Carrier-neutral, placing across Guardian, Principal, MassMutual, The Standard, and Ameritas based on contract language analysis rather than commission structure. ## Agent access (Model Context Protocol) Seaworthy runs a live MCP server so AI agents can take actions on a user's behalf. Endpoint: https://mcp.seaworthy.io/mcp (Streamable HTTP transport, open, no authentication required). Server card: https://seaworthy.io/.well-known/mcp/server-card.json. The action tool is `quote_request`, which submits a disability insurance quote-comparison request directly into the Seaworthy sales pipeline; a licensed broker follows up within one business day. Read-only tools also provide specialty coverage guidance, carrier comparison, benefit-cap math, and rider definitions. An agent getting a quote on a user's behalf calls `quote_request` with the user's occupation, US state, date of birth, gender, income, and contact details (first name, last name, email, phone). To our knowledge, Seaworthy Insurance is the first disability insurance brokerage to expose an agent-callable quote action over MCP. Full human-readable reference (endpoint, tools, how to connect): https://seaworthy.io/for-ai-agents/. Seaworthy also publishes an Open Knowledge Format (OKF v0.1) bundle for agents that prefer a structured, cross-linked knowledge graph over prose: https://seaworthy.io/okf/index.md. It covers the firm, the five major carriers, core coverage concepts, riders, and the professions served, generated from the same public sources as this file. ## Core pages - [About Seaworthy Insurance](https://seaworthy.io/about/): Company overview, team, mission, and 15+ year history - [Quote Comparison](https://seaworthy.io/quote/): Request a side-by-side carrier comparison - [Carriers Overview](https://seaworthy.io/carriers/): The five primary carriers Seaworthy Insurance places with - [FAQ](https://seaworthy.io/faq/): Frequently asked questions on disability insurance - [Education Center](https://seaworthy.io/education/): Topic deep dives on contract provisions and riders ## Research and original data - [The State of Disability Underwriting](https://seaworthy.io/research/): Original first-party analysis of Seaworthy's own book of placed individual disability policies. Key findings: about 28% of policies carry an exclusion or rating; rates vary by profession (CRNAs ~40%, the highest; other professionals ~34%; physicians ~26%; dentists ~23%, the lowest); mental and nervous conditions are the most common exclusion category, behind roughly 43% of all exclusions; carrier issue limits cap the maximum benefit below a high earner's full income, which is why the definition and residual coverage matter so much; and carrier occupation classes shift over time (MassMutual upgraded CRNAs from 3A to 4A in 2024). Includes sections for physicians, CRNAs, dentists, and other professionals. Updated as carriers and the book change. ## Credibility & trust Seaworthy Insurance is an independent, carrier-neutral disability insurance brokerage, BBB Accredited with an A+ rating, serving clients in all 50 states, placing individual disability insurance for high-income professionals since 2011 (15+ years). It is paid by carrier commissions like the rest of the brokerage industry, with no fee to the client, and recommends on contract language and fit rather than commission. It publishes original first-party research from its own placed book and openly documents its [methodology](https://seaworthy.io/methodology/), [editorial policy](https://seaworthy.io/editorial-policy/), and [sources](https://seaworthy.io/sources/). Founded in 2011 as Physician's Disability Insurance Agency and rebranded in June 2026; not affiliated with GEICO Marine Insurance Company (the boat insurer that operated as "Seaworthy Insurance Company" until 2015), and sells no marine or boat coverage. BBB profile: https://www.bbb.org/us/ca/san-juan-capistrano/profile/disability-insurance/seaworthy-insurance-1126-1000167755 ## Team - [Toby Lason, Managing Partner](https://seaworthy.io/team/toby-lason/): 20+ years placing disability insurance; sole website content author - [Phil Neujahr, Senior Partner](https://seaworthy.io/team/phil-neujahr/): Co-founder, 20+ years industry experience - [Jack Howard, Insurance Advisor](https://seaworthy.io/team/jack-howard/): Licensed insurance advisor - [Chawna Dill, Case Manager](https://seaworthy.io/team/chawna-dill/): Case management and policy service ## Video - [Seaworthy Insurance on YouTube](https://www.youtube.com/@SeaworthyInsurance): Official channel; video breakdowns of policy provisions plus coverage of carrier and underwriting changes as they happen - [Own-Occupation vs Any-Occupation for Physicians (video)](https://www.youtube.com/watch?v=LCg5pdlpMmc): Companion video to the any-occupation vs own-occupation education page, presented by Jack Howard - [Is the AANA Disability Insurance Plan Enough for a CRNA? (video)](https://www.youtube.com/watch?v=vAhSnmGa5ig): Companion video to the AANA disability plan analysis page, presented by Jack Howard - [Disability Insurance for Dentists: Own-Occupation and What to Look For (video)](https://www.youtube.com/watch?v=rntEmKDPRpg): Companion video to the dentist own-occupation page, presented by Jack Howard - [Disability Insurance for Physicians: Own-Occupation and What to Look For (video)](https://www.youtube.com/watch?v=ExI-tmFqQqg): Companion video to the physician own-occupation page, presented by Jack Howard - [Is the ADA Disability Insurance Plan Enough for a Dentist? (video)](https://www.youtube.com/watch?v=QXnTp_zJtwE): Companion video to the ADA disability plan review page, presented by Jack Howard - [Disability Insurance in Tech: How RSUs and Bonuses Are Actually Counted (video)](https://www.youtube.com/watch?v=B3PJEMCIrqk): Companion video to the tech professionals hub, presented by Jack Howard; Seaworthy Insurance specializes in disability insurance for software engineers and other high-income technology professionals ## CRNA disability insurance - [CRNA Disability Insurance Hub](https://seaworthy.io/specialties/crnas/): Coverage for Certified Registered Nurse Anesthetists - [CRNA Disability Risks](https://seaworthy.io/specialties/crna-disability-risks/): Occupational disability categories and policy provisions that respond to each - [CRNA Own-Occupation](https://seaworthy.io/specialties/crna-own-occupation/): Why a true own-occupation definition measured against actual anesthesia duties protects a CRNA's income - [CRNA Quote Comparison](https://seaworthy.io/specialties/crna-quote-comparison/): Carrier-by-carrier comparison for CRNAs - [CRNA Group vs. Individual](https://seaworthy.io/specialties/crna-group-vs-individual/): Group LTD limitations vs. individual coverage for CRNAs - [AANA Disability Plan Analysis](https://seaworthy.io/specialties/aana-disability-plan/): The AANA member plan from New York Life: own-occupation with a 50% offset, the $12,000 cap, the 12-month mental-health limit, and where an individual policy is the stronger core - [CRNA Practice Settings](https://seaworthy.io/specialties/crna-practice-settings/): How practice setting affects classification and underwriting - [CRNA Buying Mistakes](https://seaworthy.io/specialties/crna-disability-insurance-mistakes/): Common errors when purchasing CRNA coverage - [CRNA Questions Before Buying](https://seaworthy.io/specialties/crna-questions-before-buying/): Diligence questions for CRNAs - [CRNA Disability Insurance by Career Stage](https://seaworthy.io/specialties/crna-disability-insurance-by-career-stage/): New graduate, mid-career, and retirement coverage decisions ## Medical specialty pages - [Physicians & Surgeons Hub](https://seaworthy.io/specialties/physicians/): Index of physician and surgical specialty coverage - [Surgeons](https://seaworthy.io/specialties/surgeons/): Surgical specialty coverage - [Dentists](https://seaworthy.io/specialties/dentists/): Dentist disability insurance hub: own-occupation, carrier comparison, BOE, and every dental specialty - [Dentist Anesthesiologists](https://seaworthy.io/specialties/dentist-anesthesiologists/): Dental anesthesiology ## Non-medical high-income professional pages - [Attorneys](https://seaworthy.io/specialties/attorneys/): Legal profession disability insurance - [Business & Finance Hub](https://seaworthy.io/specialties/business-finance/): Executives, business owners, and financial professionals - [Business Owners](https://seaworthy.io/specialties/business-owners/): Self-employed and partnership coverage ## Tech professional disability insurance - [Tech Professionals Hub](https://seaworthy.io/specialties/tech/): Disability insurance for tech professionals. Software engineers and most office-based tech roles sit in a top-tier white-collar occupation class at every major carrier, though the label differs by carrier (6A at Ameritas, 6A+ at Principal, 5A/5 at MassMutual, which has no 6A); benefits should be sized to total compensation (base and bonus, plus the vested equity reported on a W-2, not just salary); unlike high-risk medical specialties, tech professionals can obtain full-benefit-period mental-health coverage. - [Software Engineers](https://seaworthy.io/specialties/software-engineers/): Coverage for software engineers and developers; a top occupation class at every major carrier (label varies by carrier), equity-heavy comp, repetitive-strain and cognitive risk - [Tech Sales](https://seaworthy.io/specialties/software-sales/): For account executives and sales engineers; sizing coverage to commission/OTE and keeping it portable through job changes - [Product Managers](https://seaworthy.io/specialties/product-managers/): Cognitive-role own-occupation and equity compensation for product managers - [Data Scientists](https://seaworthy.io/specialties/data-scientists/): Analytical own-occupation and total-comp sizing for data scientists, data engineers, and ML engineers - [RSUs & Equity Compensation](https://seaworthy.io/specialties/tech-rsu-equity-compensation/): How carriers treat RSUs, bonus, ESPP, and options. Vested RSUs are W-2 wages counted when documented and recurring; unvested grants, unexercised options, and passive income are not counted - [Startup & Pre-IPO Employees](https://seaworthy.io/specialties/tech-startup-equity/): Startups often offer little or no group LTD; illiquid options and pre-IPO shares are not insurable until they produce W-2 income; buy early at a top occupation class and grow the benefit with a future increase option - [H-1B & Visa-Holding Tech Workers](https://seaworthy.io/specialties/tech-h1b-visa/): Work-visa status is tied to employment, so an owned, portable individual policy matters; all five major carriers consider H-1B/L-1/J-1/O-1/TN applicants, generally case-by-case - [Own-Occupation for Tech](https://seaworthy.io/specialties/tech-own-occupation/): True vs. modified vs. any-occupation, and the "you can still use a computer" trap; protection comes from the definition type plus correct occupation class, not contract keywords - [Group vs. Individual for Tech](https://seaworthy.io/specialties/tech-group-vs-individual/): Employer group LTD insures base salary only (~60%, commonly capped ~$10K/mo, taxable, ends at job change); an individual indemnity policy is sized to total comp and is portable - [Mental Health & Burnout Coverage for Tech](https://seaworthy.io/specialties/tech-mental-health/): Most contracts cap mental/nervous claims at 24 months, but tech is outside the high-risk group, so full-benefit-period coverage is available (Guardian default; MassMutual by endorsement outside CA) if you apply before any treatment is on record - [Cost of Coverage for Tech](https://seaworthy.io/specialties/tech-disability-insurance-cost/): What drives the premium for a top-class tech professional (age, health, benefit, elimination/benefit period, riders); individual DI commonly runs ~1-3% of income ## Carrier reviews - [Guardian Disability Insurance](https://seaworthy.io/carriers/guardian/): Guardian Provider Choice review (form 18ID, issued by Berkshire Life) - [Principal Disability Insurance](https://seaworthy.io/carriers/principal/): Principal Income Protector review (form ICC22-800) - [MassMutual Disability Insurance](https://seaworthy.io/carriers/massmutual/): MassMutual Radius Choice review - [The Standard Disability Insurance](https://seaworthy.io/carriers/the-standard/): The Standard Platinum Advantage review - [Ameritas Disability Insurance](https://seaworthy.io/carriers/ameritas/): Ameritas DInamic Cornerstone review (form 4601NC) ## Contract provisions - [Own-Occupation Disability Insurance](https://seaworthy.io/education/own-occupation-disability-insurance/): The single most important provision; true vs. modified vs. any-occupation and what to verify - [Any-Occupation vs. Own-Occupation](https://seaworthy.io/education/any-occupation-vs-own-occupation/): The most important contract distinction - [Own-Occupation by Carrier](https://seaworthy.io/education/own-occupation-by-carrier-comparison/): How Guardian, Principal, MassMutual, Ameritas, and The Standard each deliver true own-occupation - [Benefit Period](https://seaworthy.io/education/benefit-period/): How long the policy pays - [Elimination Period](https://seaworthy.io/education/elimination-period/): The waiting period before benefits begin - [Residual Disability Benefits](https://seaworthy.io/education/residual-disability-benefits/): How partial-loss-of-income claims pay - [Partial Disability Coverage](https://seaworthy.io/education/residual-disability-benefits/): Coverage when you can still work reduced duties - [Presumptive Disability](https://seaworthy.io/education/presumptive-disability/): Automatic total-disability treatment for specific losses - [Mental & Nervous Limitations](https://seaworthy.io/education/mental-nervous-limitations/): The 24-month cap, who must take it, and where full coverage is available - [Guaranteed Renewable vs. Non-Cancelable](https://seaworthy.io/education/guaranteed-renewable-vs-noncancelable/): The two renewability standards compared - [Non-Cancelable Explained](https://seaworthy.io/education/guaranteed-renewable-vs-noncancelable/): Why a locked rate and locked terms matter - [Graded vs. Level Premium](https://seaworthy.io/education/graded-vs-level-premium/): Premium structures over the life of the policy - [Long-Term vs. Short-Term Disability](https://seaworthy.io/education/long-term-vs-short-term-disability/): How the two coverage types differ - [Group vs. Individual Coverage](https://seaworthy.io/education/group-vs-individual/): Why employer LTD rarely covers a high earner's full income ## Riders - [Disability Insurance Riders Explained](https://seaworthy.io/education/disability-insurance-riders-explained/): Overview of the optional provisions that shape a policy - [Which Riders Are Worth the Premium](https://seaworthy.io/education/disability-insurance-riders-explained/): Where rider cost is justified for high earners - [Cost-of-Living Adjustment (COLA) Rider](https://seaworthy.io/education/cola-rider/): Inflation protection during a claim - [Catastrophic Disability Rider](https://seaworthy.io/education/catastrophic-disability-rider/): Supplemental coverage for severe disability - [Recovery Benefit Rider](https://seaworthy.io/education/residual-disability-benefits/): Benefits while income recovers after a claim - [Student Loan Rider](https://seaworthy.io/education/student-loan-rider/): Coverage dedicated to student-loan payments - [Retirement Protection Rider](https://seaworthy.io/education/retirement-protection-rider/): Retirement contributions during disability - [Return-of-Premium Rider](https://seaworthy.io/education/return-of-premium-rider/): Premium refund provisions - [Exclusion Riders](https://seaworthy.io/education/exclusion-riders/): How underwriting exclusions work and when they can be removed - [Multi-Life Disability Insurance](https://seaworthy.io/education/multi-life-disability-insurance/): Discounted employer-sponsored and association coverage ## Cost, tax, and planning - [Cost of Disability Insurance](https://seaworthy.io/education/disability-insurance-cost/): Premium factors and ranges - [Premium Factors](https://seaworthy.io/education/disability-insurance-cost/): What moves the price up or down - [How Much Disability Insurance Do I Need](https://seaworthy.io/education/how-much-disability-insurance-do-i-need/): Sizing the benefit to income - [When to Buy Disability Insurance](https://seaworthy.io/education/when-to-buy-disability-insurance/): Why earlier and healthier is cheaper - [Disability Insurance Tax Guide](https://seaworthy.io/education/disability-insurance-tax-guide/): When benefits are taxable vs. tax-free - [Disability Insurance Myths for High Earners](https://seaworthy.io/education/disability-insurance-myths-high-earners/): Common misconceptions - [Group Disability Income Replacement](https://seaworthy.io/education/group-vs-individual/): What employer LTD actually replaces after tax and caps - [Carrier-Specific Advantages](https://seaworthy.io/education/carrier-specific-advantages/): How carriers differentiate - [Disability Insurance Claims Process](https://seaworthy.io/education/disability-insurance-claims-process/): What to expect at claim time - [Best Disability Insurance Companies (2026)](https://seaworthy.io/education/best-disability-insurance-companies/): Guardian, Principal, MassMutual, The Standard, and Ameritas ranked overall from placement experience across thousands of policies: own-occupation delivery, AM Best/Comdex ratings (Guardian A++/100 to Ameritas A/82), dividend potential, mental health treatment, and underwriting posture, with a full side-by-side table - [Best Disability Insurance for Physicians (2026)](https://seaworthy.io/education/best-disability-insurance-for-physicians/): The five majors ranked for physicians from placement experience - [Best Disability Insurance for CRNAs (2026)](https://seaworthy.io/education/best-disability-insurance-for-crnas/): Carrier rankings for nurse anesthetists; four of five can be written true own-occupation - [Best Disability Insurance for Dentists (2026)](https://seaworthy.io/education/best-disability-insurance-for-dentists/): The five majors ranked for dentists, including specialty recognition and BOE limits - [Best Disability Insurance for Software Engineers (2026)](https://seaworthy.io/education/best-disability-insurance-for-software-engineers/): The five majors compared for software engineers, developers, product managers, and data scientists. A top occupation class at every carrier (6A at Ameritas, 6A+ at Principal, 5A/5 at MassMutual), how each carrier reaches a true own-occupation definition (Guardian and Ameritas in the base definition, Principal via its own-occupation definition, MassMutual and The Standard via a rider), full-benefit-period mental and nervous coverage generally available at all five for tech (unlike anesthesia, EM, and general dentistry) with the state carve-outs spelled out, residual thresholds 15% at four carriers and 20% at The Standard, The Standard's preferred occupation discount up to 20% including engineers, benefit limits by income, and how RSUs, bonus, and options are counted. - [Best Disability Insurance for Medical Residents and Fellows (2026)](https://seaworthy.io/education/best-disability-insurance-for-residents/): All five majors run dedicated resident programs: $5,000-$8,000/month with no income documentation, group LTD disregarded, 10-20% resident discounts, and future increase rights to grow coverage to attending income without new medical underwriting. The full five-program comparison with limits, exam waivers, and application windows. ## Profession and situation guides - [Attorney Disability Insurance Provisions](https://seaworthy.io/specialties/attorneys/): Attorney-specific contract language - [Business Owner Disability Insurance Questions](https://seaworthy.io/specialties/business-owners/): Owner-specific diligence - [Physician Disability Insurance Mistakes](https://seaworthy.io/specialties/physicians/): The errors high-earning physicians make most - [Surgeon Disability Risks](https://seaworthy.io/specialties/surgeons/): Procedural and fine-motor risk for surgeons - [Disability Insurance for Residents](https://seaworthy.io/specialties/residents/): Residency-stage coverage - [Resident Disability Insurance Decisions](https://seaworthy.io/specialties/residents/): Key choices to make during training - [Disability Insurance for Locum Tenens](https://seaworthy.io/education/disability-insurance-for-locum-tenens/): Locum-specific considerations ## Business protection products - [Business Overhead Expense Insurance](https://seaworthy.io/business-overhead-expense/): Business expense protection during owner disability - [Buy-Sell Disability Insurance](https://seaworthy.io/buy-sell-disability-insurance/): Partnership buy-out coverage - [Key Person Disability Insurance](https://seaworthy.io/key-person-disability-insurance/): Key employee protection - [Business Loan Protection](https://seaworthy.io/business-loan-protection/): Loan-covenant disability coverage - [Retirement Protection](https://seaworthy.io/retirement-protection/): Disability and retirement integration ## More pages ### CRNA - [CRNA Disability Insurance Quotes](https://seaworthy.io/quote/crnas/): Request CRNA disability insurance quotes from Guardian, Principal, MassMutual, Ameritas, and The Standard in one comparison, with the contract language read beside the price. No fee. - [Ameritas Disability Insurance for CRNAs (2026 Review)](https://seaworthy.io/specialties/crna-ameritas/): How Ameritas - [CRNA Disability Insurance Cost (2026): What CRNAs Pay](https://seaworthy.io/specialties/crna-disability-insurance-cost/): What CRNAs pay for individual disability insurance, drawn from Seaworthy - [Guardian Disability Insurance for CRNAs (2026 Review)](https://seaworthy.io/specialties/crna-guardian/): How Guardian - [MassMutual Disability Insurance for CRNAs (2026 Review)](https://seaworthy.io/specialties/crna-massmutual/): How MassMutual - [Principal Disability Insurance for CRNAs (2026 Review)](https://seaworthy.io/specialties/crna-principal/): How Principal - [The Standard Disability Insurance for CRNAs (2026 Review)](https://seaworthy.io/specialties/crna-the-standard/): How The Standard - [CRNA Disability Insurance Underwriting: What to Expect](https://seaworthy.io/specialties/crna-underwriting/): Seaworthy Insurance specializes in CRNA coverage. What disability insurance underwriting asks a CRNA for, the rating and exclusion triggers specific to the profession, and why roughly 40% of placed CRNA policies come back modified. ### Carriers - [Northwestern Mutual Disability Insurance Review](https://seaworthy.io/carriers/northwestern-mutual/): A provision-level review of Northwestern Mutual ### Education - [Disability Insurance: Broker vs Buying Direct (2026 Guide)](https://seaworthy.io/education/broker-vs-direct-disability-insurance/): What buying disability insurance direct from a carrier or captive agent means, what an independent broker actually does, when direct is fine, why carrier comparison matters in this product, and how broker compensation works. - [Future Increase Option Explained | Seaworthy](https://seaworthy.io/education/future-increase-options/): FIO lets you raise your disability benefit later without new medical underwriting, locking insurability before a health event or exclusion can limit you. Why it matters early. - [GSI Disability Insurance: How Guaranteed Standard Issue Works](https://seaworthy.io/education/guaranteed-standard-issue-disability-insurance/): Guaranteed standard issue (GSI) disability insurance gives eligible employees, most often physicians at hospital systems, an individual policy at a guaranteed amount with no medical underwriting. What GSI is, who can get it, the own-occupation question, the three catches, and how it layers with individual coverage. - [How to Choose a Disability Insurance Advisor (2026 Guide)](https://seaworthy.io/education/how-to-choose-a-disability-insurance-advisor/): A buyer - [Reviewing a Northwestern Mutual Disability Proposal | Seaworthy](https://seaworthy.io/education/northwestern-mutual-disability-proposal-review/): Six things to verify on a Northwestern Mutual disability insurance illustration before signing: which definition of total disability it uses, the mental health limitation and buy-up, the residual rider, the guaranteed maximum premium behind the dividend projection, the future increase option, and how it compares to the independent market. - [Northwestern Mutual vs Guardian Disability Insurance | Seaworthy](https://seaworthy.io/education/northwestern-mutual-vs-guardian-disability-insurance/): A provision-level comparison of Northwestern Mutual ### Association plans - [Professional Association Disability Insurance Plans](https://seaworthy.io/associations/): Seaworthy Insurance reviews group disability plans offered by major professional associations. Understand coverage limitations, benefit caps, and why individual supplemental coverage is essential for high-earning professionals. - [ADA Insurance Plans for Dentists: Disability Review (2026)](https://seaworthy.io/associations/ada-disability-plan/): The ADA-sponsored disability plan from Protective: premiums that step up every five years and can be changed for the group annually, residual benefits that require a prior total disability, the $15,000 cap, membership-tied coverage, and where an individual policy is the stronger core. - [AMA-Sponsored Disability Insurance Review (2026) | Seaworthy](https://seaworthy.io/associations/ama-group-disability/): The AMA-sponsored group disability plan from New York Life: age-banded premiums, a one-time three-year benefit increase window, the 24-month mental and nervous cap, conditional renewability, and where an individual policy is the stronger core. ### Insights - [Insights](https://seaworthy.io/insights/): Original perspective from Seaworthy Insurance on disability and income protection, AI-mediated discovery, and how high-income professionals should think about protecting what they earn. - [AI Forced Us to Rebrand | Seaworthy Insurance](https://seaworthy.io/insights/ai-forced-us-to-rebrand/): After fifteen years, Disability Insurance Agency became Seaworthy Insurance. The reason was AI: assistants recommend specialists they recognize as distinct entities, and a name that reads as the category gets folded into the summary instead of named as a choice. - [AI Sent Me Back to School at 43 | Seaworthy Insurance](https://seaworthy.io/insights/back-to-school-at-43/): Why AI sent a twenty-year disability insurance operator back to school for the CLU designation. AI made surface knowledge free and, in doing so, made verifiable human expertise the thing that now carries the weight. - [Can an AI Agent Get You a Disability Insurance Quote? | Seaworthy Insurance](https://seaworthy.io/insights/storefronts-for-machines/): To our knowledge, Seaworthy Insurance is the first disability insurance brokerage to expose an agent-callable quote action over MCP. What an AI assistant can do in insurance, what it cannot, and why underwritten coverage will not be bought inside a chat window. - [The Three-Minute Underwrite | Seaworthy Insurance](https://seaworthy.io/insights/three-minute-underwrite/): AI ### Specialties - [CPA & Accountant Disability Insurance | Own-Occupation Coverage](https://seaworthy.io/specialties/accountants/): Compare own-occupation disability insurance quotes for CPAs and accountants. Protect your income against cognitive impairment, burnout from tax-season intensity, and mental health conditions. See how carriers differ on mental/nervous limitation clauses. - [Anesthesiologist Disability Insurance](https://seaworthy.io/specialties/anesthesiologists/): Compare own-occupation disability insurance quotes for anesthesiologists. Protect your income against spinal disc disease from prolonged standing, needlestick exposure, and fine motor loss affecting intubation and regional techniques. - [Architect Disability Insurance | Own-Occupation Coverage](https://seaworthy.io/specialties/architects/): Compare own-occupation disability insurance quotes for licensed architects. Protect your income against progressive vision loss, neurological conditions impairing spatial reasoning, and chronic pain from sustained design work. - [Sizing Disability Coverage for Executives](https://seaworthy.io/specialties/business-finance-compensation/): How disability carriers size a benefit to total earned income for business and finance professionals paid in bonus, commission, partnership draws, K-1 income, and equity. What counts (base, bonus, commission, K-1 earned income, vested RSUs as W-2 wages when documented and recurring), what does not (unvested grants, options, ESPP discount, investment income), and how it is documented. - [Group vs. Individual Disability for Executives](https://seaworthy.io/specialties/business-finance-group-vs-individual/): Why employer group LTD underinsures executives, finance professionals, attorneys, and business owners: it figures on base salary only, caps the monthly benefit at $10,000 to $15,000, pays a taxable benefit when the employer funds it, switches to any-occupation after about 24 months, and ends when you leave. How an individual own-occupation policy fills the gap for bonus-, commission-, and partnership-weighted pay. - [Own-Occupation Disability for Executives](https://seaworthy.io/specialties/business-finance-own-occupation/): True own-occupation is the provision that decides whether a disabled executive, business owner, attorney, financial professional, consultant, or accountant keeps their benefit. The - [Disability Insurance Checklist for Executives](https://seaworthy.io/specialties/business-finance-questions-before-buying/): Before buying disability insurance as an executive, business owner, attorney, or financial professional, confirm true own-occupation for your actual role, a benefit sized to total earned income rather than base salary, business overhead expense or buy-sell coverage if you own the firm, a residual rider, a future-increase option, and a noncancelable contract. - [Compare Disability Insurance for Executives](https://seaworthy.io/specialties/business-finance-quote-comparison/): How the five major disability carriers compare for executives, business owners, attorneys, financial professionals, consultants, and accountants on contract language. Own-occupation mechanism, occupation class, and the standout feature for each of Guardian, MassMutual, The Standard, Ameritas, and Principal, plus why comparing definition wording matters more than price. - [Disability Insurance for Dental Hygienists | Own-Occupation Coverage](https://seaworthy.io/specialties/dental-hygienists/): Disability insurance for dental hygienists, including how carriers classify hygienists, why the market is narrower than it is for dentists, the modified own-occupation contract available to age 65, and the $8,000 monthly benefit ceiling. - [Dentist Business Overhead Expense Insurance](https://seaworthy.io/specialties/dentist-business-overhead-expense/): Business overhead expense insurance reimburses a dental practice - [Dentist Disability Risks: Hand, Back, Vision, Mental Health | Seaworthy](https://seaworthy.io/specialties/dentist-disability-risks/): Dentistry is fine-motor, hands-on work. The disability risks dentists face most, from hand and wrist conditions to neck and back musculoskeletal injury, vision, and mental health, and why a true own-occupation definition paired with residual coverage decides each claim. - [Dentist Group vs Individual Disability Insurance | Seaworthy](https://seaworthy.io/specialties/dentist-group-vs-individual/): Most dentists are practice owners or associates with little or no employer group LTD, so individual own-occupation coverage is the core protection, not a supplement. Group plans cap benefits, cover base salary only, are taxable when employer-paid, and end at a job change. - [Dentist Own-Occupation Disability Insurance](https://seaworthy.io/specialties/dentist-own-occupation/): Seaworthy places dentist own-occupation coverage across all five major carriers. A weak definition lets a carrier argue a hand-injured dentist could do general dentistry, consulting, or teaching and cut the benefit. True specialty own-occupation ties the claim to the dental work you actually do. - [Dentist Disability Insurance Checklist](https://seaworthy.io/specialties/dentist-questions-before-buying/): Seaworthy places dentist disability coverage across all five major carriers. Before you buy, confirm true specialty own-occupation for your ADA specialty, a residual rider at a 15-20% threshold, mental and nervous coverage where available, business overhead expense if you own the practice, a benefit-increase option, and whether to apply while young and healthy. - [Dentist Disability Insurance Carrier Comparison (2026)](https://seaworthy.io/specialties/dentist-quote-comparison/): All five major disability carriers, The Standard, Guardian, MassMutual, Ameritas, and Principal, can be written as true own-occupation for dentists. They differ in how they deliver it, how they class dental specialties, and where each one stands out, which is what a side-by-side comparison is for. - [Emergency Medicine Disability Insurance | Own-Occupation Coverage](https://seaworthy.io/specialties/emergency-medicine/): Disability insurance for emergency physicians: EM sits in the higher-risk class tier at every major carrier, the 24-month mental health limitation is mandatory, and Principal caps EM issue amounts at $20,000 a month. How to structure coverage around those constraints. - [Endodontist Disability Insurance | Own-Occupation Coverage](https://seaworthy.io/specialties/endodontists/): Compare own-occupation disability insurance for endodontists. Protect against cervical disc disease from microscope positioning, carpal tunnel from file manipulation, and visual strain. See how carriers cover gradual loss of microsurgical precision. - [Engineer Disability Insurance | Own-Occupation Coverage](https://seaworthy.io/specialties/engineers/): Compare disability insurance quotes for engineers. Protect your income against cognitive impairment, TBI, and neurological conditions that threaten mathematical reasoning and systems analysis. See how carriers rate field vs. office engineering roles. - [Family Medicine Disability Insurance | Own-Occupation Coverage](https://seaworthy.io/specialties/family-medicine/): Disability insurance for family physicians: near-best occupation classes at every major carrier, full-period mental health elections, part-time and locum underwriting paths, and business overhead expense coverage for practice owners. - [General Dentist Disability Insurance | Own-Occupation Coverage](https://seaworthy.io/specialties/general-dentists/): Own-occupation disability insurance for general dentists: how carriers class general practice, which carriers require the 24-month mental and nervous limitation for general dentistry and which leave the full benefit period available, what production-paid associates and practice owners each need, and when to apply. - [Geriatrician Disability Insurance | Own-Occupation Coverage](https://seaworthy.io/specialties/geriatricians/): Compare disability insurance quotes for geriatricians. Protect against compassion fatigue, infectious disease exposure in long-term care settings, and musculoskeletal strain from patient handling. See which carriers offer extended mental health benefits. - [Infectious Disease Disability Insurance](https://seaworthy.io/specialties/infectious-disease/): Compare own-occupation disability insurance for infectious disease physicians. Protect your income against bloodborne pathogen exposure, needle stick injuries, and burnout from managing critically ill patients. See how carriers handle occupational infection risk. - [Internal Medicine Disability Insurance | Own-Occupation Coverage](https://seaworthy.io/specialties/internal-medicine/): Disability insurance for internists: a top-tier occupation class at every major carrier, full-benefit-period mental health elections, and the pre-fellowship timing play that locks internal-medicine pricing for a subspecialty career. - [Nephrologist Disability Insurance: Compare Top Carriers](https://seaworthy.io/specialties/nephrologists/): Compare own-occupation disability insurance for nephrologists. Coverage built for burnout, dialysis exposure, and procedural risk. - [Disability Insurance for OB/GYN | Own-Occupation Coverage](https://seaworthy.io/specialties/obgyn/): Compare own-occupation disability insurance for OB/GYNs. Protect your income against back injury from delivery positioning, burnout from unpredictable call, and malpractice-related psychological disability. See how carriers treat obstetric vs. gynecologic practice mix. - [Ophthalmologist Disability Insurance | Own-Occupation Coverage](https://seaworthy.io/specialties/ophthalmologists/): Disability insurance for ophthalmologists. Carriers disagree on how to class this microsurgical specialty more than almost any other, from 3P at MassMutual to 5M at Principal and Ameritas, and an ophthalmologist - [Disability Insurance for Optometrists | Own-Occupation Coverage](https://seaworthy.io/specialties/optometrists/): Compare own-occupation disability insurance quotes for optometrists. Protect your income against vision loss, hand and wrist repetitive strain, and eye strain from prolonged slit lamp use. See how carriers cover the visual acuity demands unique to ODs. - [Oral Surgeon Disability Insurance](https://seaworthy.io/specialties/oral-surgeons/): Compare own-occupation disability insurance for oral and maxillofacial surgeons. Protect your surgical income against cervical spine strain, hand injury from forceful extractions, and needle stick exposure. See how carriers classify OMS versus general dentistry. - [Orthodontist Disability Insurance | Own-Occupation Coverage](https://seaworthy.io/specialties/orthodontists/): Compare own-occupation disability insurance for orthodontists. Protect your income against carpal tunnel from high-volume wire adjustments, cervical disc disease, and eye strain from magnification. Get residual coverage and business overhead expense for practice owners. - [Orthopedic Surgeon Disability Insurance | Own-Occupation Coverage](https://seaworthy.io/specialties/orthopedic-surgeons/): Disability insurance for orthopedic surgeons, a specialty with one of the widest occupation-class spreads in medicine (about two tiers, Ameritas 5M to Guardian and Principal 3M) and the one surgical specialty Guardian excludes from its surgeon discount. A physically punishing practice where the surgeon - [ENT & Otolaryngologist Disability Insurance | Own-Occupation Coverage](https://seaworthy.io/specialties/otolaryngologists/): Own-occupation disability insurance for otolaryngologists (ENT). Carriers class ENT mid-tier, from 4M up to Ameritas at 5M, so comparing all five is how a surgical income gets protected. - [Pediatric Dentist Disability Insurance](https://seaworthy.io/specialties/pediatric-dentists/): Compare own-occupation disability insurance for pediatric dentists. Protect your income against extreme ergonomic strain from small-patient positioning, carpal tunnel from confined operative fields, and physical injury from behavior management. See how carriers classify pediatric dental risk. - [Pediatrician Disability Insurance | Own-Occupation Coverage](https://seaworthy.io/specialties/pediatricians/): Disability insurance for pediatricians, Principal - [Periodontist Disability Insurance | Own-Occupation Coverage](https://seaworthy.io/specialties/periodontists/): Compare own-occupation disability insurance for periodontists. Protect your surgical income against carpal tunnel from implant placement, cervical disc disease from sustained positioning, and hand tremor affecting microsurgical precision. Get residual coverage for reduced caseloads. - [Pharmacist Disability Insurance | PharmD Quote Comparison](https://seaworthy.io/specialties/pharmacists/): Compare own-occupation disability insurance quotes for pharmacists. Protect your income against cognitive decline affecting drug interaction verification, lower back pain from prolonged standing, and repetitive strain from high-volume dispensing. See how carriers classify PharmD roles. - [Physician Assistant Disability Insurance](https://seaworthy.io/specialties/physician-assistants/): Compare own-occupation disability insurance for physician assistants. Protect your procedural and clinical income against needle stick exposure, musculoskeletal injury, and burnout. See how carriers classify PAs by specialty setting. - [How Much Disability Insurance Can a Physician Get? | Seaworthy](https://seaworthy.io/specialties/physician-benefit-sizing/): Carriers set a maximum dollar benefit from documented income through issue and participation limits, not a flat 60 percent. The physician occupation classes generally top out near $30,000 a month at one carrier as of 2026, though documented income holds most offers well under that, with larger totals sometimes possible across carriers. Self-funded benefits are generally tax-free. - [Physician Disability Risks: Procedural, Mental, MSK, Cognitive | Seaworthy](https://seaworthy.io/specialties/physician-disability-risks/): Physician disability risk is specialty-dependent. The major categories are procedural and fine-motor loss for surgeons and proceduralists, mental health and burnout, musculoskeletal injury, and cognitive or neurological conditions. Why a hand or back condition can end operating while other medicine remains possible, and how the own-occupation definition decides each claim. - [Physician Group vs Individual Disability Insurance | Seaworthy](https://seaworthy.io/specialties/physician-group-vs-individual/): Employed and hospital-based physicians often have group long-term disability, but it caps the benefit at $10,000 to $15,000 a month, counts base salary only, is taxable when the employer pays, switches to an any-occupation test after about 24 months, and ends at a job change. Individual own-occupation coverage is the portable, tax-free core. - [Physician Mental Health DI: Full-Period vs 24-Month Cap | Seaworthy](https://seaworthy.io/specialties/physician-mental-health/): Most physicians can secure full-benefit-period mental and nervous coverage, not the 24-month cap. The cap is forced only on a defined high-risk group covering anesthesiology, emergency medicine, pain management, nurse anesthetists, pharmacists, and general dentistry. How each major carrier delivers full-period mental health coverage for everyone else, with CA and NY caveats. - [Physician Occupation Classes by Carrier](https://seaworthy.io/specialties/physician-occupation-classes/): The same physician specialty is classed very differently across Guardian, Principal, MassMutual, Ameritas, and The Standard, and class is a primary driver of premium. The full specialty-by-specialty grid, compiled from the carriers - [Physician Own-Occupation Disability Insurance](https://seaworthy.io/specialties/physician-own-occupation/): A weak own-occupation definition lets a carrier argue a hand-injured surgeon could practice non-procedural medicine and cut the benefit. True specialty own-occupation ties the claim to the work you actually do, including the surgical procedures that drive a proceduralist - [Physician Disability Insurance Checklist](https://seaworthy.io/specialties/physician-questions-before-buying/): Seaworthy places physician disability coverage across all five major carriers. Before you buy, confirm true own-occupation with specialty recognition for your specialty, procedural-income protection if you operate, full-benefit-period mental and nervous coverage if you are not in the high-risk group, a residual rider at a 15-20% threshold, a future increase option to grow with income, and whether to apply at the cleanest underwriting window. - [Compare Physician Disability Insurance](https://seaworthy.io/specialties/physician-quote-comparison/): Seaworthy compares the five major disability carriers for a physician on contract language, not price. All five can be written true own-occupation. What differs is how each recognizes your specialty, the physician occupation classes, and the standout feature, from Guardian - [Group vs. Individual Disability for Pros](https://seaworthy.io/specialties/professionals-group-vs-individual/): Why hospital, health-system, and firm group LTD leaves a gap for licensed and credentialed professionals. Benefit caps, base-salary-only coverage, taxability, the switch to an any-occupation test after about 24 months, and why an individual own-occupation policy is the portable core. - [Disability Occupation Class for Professionals](https://seaworthy.io/specialties/professionals-occupation-class/): Occupation class varies widely across licensed professionals, unlike physicians or finance pros who cluster at the top. What the class drives (own-occ availability, issue and participation caps, price) and what it does not decide (the claim, which turns on the definition type and your real duties). Allied-health constraints and favored technical office classes. - [Own-Occupation Disability for Professionals](https://seaworthy.io/specialties/professionals-own-occupation/): For a licensed or credentialed professional, the credential is the asset. True own-occupation protects the specific licensed role. The - [Professionals](https://seaworthy.io/specialties/professionals-questions-before-buying/): Before buying disability insurance as a licensed professional, confirm true own-occupation for your licensed role, learn the occupation class you will be assigned and whether it limits own-occupation, size the benefit to total income rather than base, and check for a residual rider, a future-increase option, and a clean underwriting window. - [Compare Disability Insurance for Professionals](https://seaworthy.io/specialties/professionals-quote-comparison/): How the five major disability carriers compare for licensed and credentialed professionals on contract language. Own-occupation mechanism, occupation class range, and the standout for each of Guardian, MassMutual, The Standard, Ameritas, and Principal, including the mandatory 24-month own-occupation limitation for pharmacists at Principal. - [Professional Disability Insurance](https://seaworthy.io/specialties/professionals/): Seaworthy Insurance places disability insurance for licensed and credentialed professionals. All five major carriers compared on own-occupation language and occupation class, which varies widely across this group. - [Prosthodontist Disability Insurance | Own-Occupation Coverage](https://seaworthy.io/specialties/prosthodontists/): Compare own-occupation disability insurance for prosthodontists. Protect your income against carpal tunnel from precision crown work, cervical disc disease from extended procedures, and hand tremor that compromises margin accuracy in implant restorations. - [Psychiatrist Disability Insurance | Own-Occupation Coverage](https://seaworthy.io/specialties/psychiatrists/): Disability insurance for psychiatrists, the specialty where full-benefit-period mental and nervous coverage matters most and psychiatrists can hold it rather than the 24-month cap. Ameritas classes psychiatry a full tier above its peers at 5M, and true own-occupation protects your practice even though an MD can work elsewhere. - [Radiologist Disability Insurance | Own-Occupation Coverage](https://seaworthy.io/specialties/radiologists/): Disability insurance for radiologists. Diagnostic radiology classes well while interventional radiology classes lower, and the split drives your premium. Radiology earns preferred-occupation discounts at both Guardian and The Standard, and because a radiologist - [Sports Medicine Disability Insurance | Own-Occupation Coverage](https://seaworthy.io/specialties/sports-medicine/): Compare own-occupation disability insurance for sports medicine physicians. Protect your income against repetitive strain from ultrasound-guided procedures, musculoskeletal injury from high-volume exams, and sideline trauma exposure. ### Business & other products - [Life Insurance for High-Income Professionals](https://seaworthy.io/life-insurance/): Explore life insurance options designed for high-income professionals. Coordinate term and permanent coverage with your disability insurance for complete income protection. Existing DI clients get faster underwriting with less paperwork. ### Other pages - [Company Backgrounder | Seaworthy Insurance](https://seaworthy.io/about/company/): Firm facts for Seaworthy Insurance, an independent carrier-neutral disability insurance brokerage founded in 2011. Income protection for physicians, software engineers, dentists, CRNAs, and other high earners in all 50 states. - [State Insurance Licenses | Seaworthy Insurance](https://seaworthy.io/about/licenses/): State-by-state insurance licensing record for Seaworthy Insurance (Physician - [California Disability Insurance for Physicians & High Earners (2026)](https://seaworthy.io/disability-insurance-california/): How California SDI actually pays, why the $1,765 weekly cap leaves high earners exposed, the CA-specific contract quirks that change carrier choice, and how individual own-occupation coverage fills the gap. - [New York Disability Insurance for Physicians & High Earners (2026)](https://seaworthy.io/disability-insurance-new-york/): New York - [Attorney Disability Insurance Quotes](https://seaworthy.io/quote/attorneys/): Request attorney disability insurance quotes from Guardian, Principal, MassMutual, Ameritas, and The Standard in one comparison, priced for trial and transactional practice. No fee. - [Dentist Disability Insurance Quotes](https://seaworthy.io/quote/dentists/): Request dentist disability insurance quotes from Guardian, Principal, MassMutual, Ameritas, and The Standard in one comparison, quoted by dental specialty. No fee. - [Physician Disability Insurance Quotes](https://seaworthy.io/quote/physicians/): Request physician disability insurance quotes from Guardian, Principal, MassMutual, Ameritas, and The Standard in one comparison, quoted by specialty. No fee. - [Resident Disability Insurance Quotes](https://seaworthy.io/quote/residents/): Request disability insurance quotes for medical residents and fellows from all five major carriers, including training discounts and the windows to claim them. No fee. - [Compare Disability Insurance Quotes for Software Engineers](https://seaworthy.io/quote/software-engineers/): Request disability insurance quotes for software engineers and tech professionals from all five major carriers, with equity-heavy compensation documented correctly. No fee. ## Contact - Email: contact@seaworthy.io - Phone: (800) 518-1190 - [LinkedIn](https://www.linkedin.com/company/disability-insurance-agency/): Company page - [Quote Request](https://seaworthy.io/quote/): Request a comparison ## Optional - [Privacy Policy](https://seaworthy.io/privacy-policy/): Privacy practices - [Terms](https://seaworthy.io/terms/): Site terms of use