Among all the working professionals in America, doctors have one of the highest per capita incomes, which is said to be 4 times higher than the national average. Hence, when it comes to buying disability insurance there are obviously some questions that arise about the kind of benefit compensation doctors can get from such a policy. A standard long term disability policy offers a maximum of 60% of your after tax income as benefit compensation, which may fall way short of your expectations. What you need is a high limit disability insurance policy that takes all your disability concerns into consideration and ensures that you get full or near full income replacement benefit. Such policies are designed specifically to cover higher income earners. disability insurance awareness month