Certified Registered Nurse Anesthetists (CRNAs) play a vital role in healthcare, managing patient care during critical and complex procedures. As a CRNA, your income is one of your most valuable assets, and protecting it with disability insurance is essential. The demands of your profession, both physical and mental, make you uniquely vulnerable to the risks of illness or injury that could temporarily or permanently impact your ability to work. At Set for Life Insurance, we understand the unique needs of CRNAs and specialize in helping healthcare professionals secure comprehensive disability coverage.

CRNAs often face high-pressure environments that require precision and focus. From standing for long periods in the operating room to managing emergencies, the physical and mental toll of the job is significant. A client of ours, Emily, a 38-year-old CRNA, came to us after a colleague experienced a career-ending back injury. Emily realized that her income—essential to supporting her family and paying off student loans—needed protection. We worked with Emily to design a policy with “own-occupation” coverage, ensuring she would receive benefits if she could no longer work as a CRNA, even if she could perform other jobs.

One key consideration for CRNAs is own-occupation coverage. This policy ensures that you receive disability benefits if you’re unable to perform the specific duties of a CRNA, even if you’re able to work in another capacity. Additionally, CRNAs benefit from policies that the residual, partial disability rider that pays if you are still working as a CRNA but have at least 15 to 20% loss of income. It is also important for CRNAs to have the ability to increase their benefits in the future without having to answer additional medical questions. Initially, you must answer medical questions to obtain coverage but with an increase rider, you may increase as your income increases with no medical questions asked.

At Set for Life Insurance, we take the time to understand your financial goals and help you customize a policy that reflects your career stage and personal needs.

Another critical aspect of planning for CRNAs is balancing coverage and cost. Many CRNAs carry significant student loan debt or have families depending on their income. We help you find the most competitive policies and discounts available to ensure you get the best value without sacrificing protection. As independent brokers, we work with the big 5 insurance carriers (Guardian, Principal, Ameritas, MassMutual and Standard) to find policies tailored to healthcare professionals.

Visit our Disability Insurance page to learn more about your options, request a quote, or schedule a consultation with us today. We’ll help you secure a policy that fits your unique needs and sets you up for a lifetime of security.