Disability Insurance by Specialty
Seaworthy Insurance places own-occupation disability coverage for high earners across medicine, dentistry, technology, business, and the licensed professions. Choose your field to see how the major carriers compare for your occupation class.
Physicians
Own-occupation coverage for attending physicians and surgeons across specialties.
CRNAs
Coverage for nurse anesthetists, where carrier and occupation-class selection matters most.
Dentists
Coverage for general dentists and dental specialists, including practice-owner protection.
Technology
Coverage for software engineers and tech professionals, sized to equity and variable pay.
Business & Finance
Coverage for executives, business owners, attorneys, accountants, and financial professionals.
Other Professionals
Coverage for licensed and credentialed professionals outside medicine, dentistry, law, and finance.
Why specialty decides the policy
Disability insurance is built around your specific occupation. A surgeon, a nurse anesthetist, a dentist, and a software engineer face different risks, underwrite differently, and are best served by different carriers, even when the coverage looks identical on a quote summary. The own-occupation definition that protects a specialist's ability to perform their exact procedures is worded differently from one carrier to the next, and the occupation class a carrier assigns your profession moves both the price and the strength of that definition.
That is why the agency organizes coverage by field rather than selling a single template. The table below shows what changes as you move across professions, and where to read next. The mechanics that cut across every field sit in the education library, from contract definitions to riders to how much coverage to carry.
| Field | What shifts the coverage | Read next |
|---|---|---|
| Physicians & surgeons | Procedural specialties need a true own-occupation definition that keeps paying if you cannot operate, even while you earn in another role. Specialty-specific definitions matter most here. | Physicians → |
| CRNAs | Occupation class is the whole game. The same nurse anesthetist can be classed differently by different carriers, which moves both price and definition strength. | CRNAs → |
| Dentists | Dental impairments are usually progressive and start partial, so residual language carries the weight. Dentists also tend to underwrite cleanly, which widens the carrier options. | Dentists → |
| Technology | Income is often equity and bonus rather than salary, so the challenge is documenting total compensation and sizing the benefit to it without over-relying on base pay. | Technology → |
| Business & finance | Owners and executives often layer business coverage on top of personal protection, and variable pay complicates the income calculation that sets the benefit. | Business & Finance → |
| Other professionals | Attorneys, pharmacists, optometrists, and similar earners sit in white-collar classes where the definition of disability and future increase capacity usually matter more than raw price. | Other Professionals → |
Not sure which carrier fits your class? The carrier rankings and the agency placement methodology explain how the five carriers stack up, and a quote comparison shows it against your own numbers. Residents and fellows should also read buying before graduation, where discounts and future increase capacity tend to be largest. Practicing in California or New York adds a state layer to the math. The California and New York guides cover the state programs and what they leave uncovered.
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