Disability insuranace can be very expensive for orthopedic surgeons. For men, expect to pay approximately 1-3% of your income on premiums. For women, expect to pay 2-4%. The best way to reduce your premiums is to look for discounts without compromising benefits on your policy.

If you are not currently eligible for discounts already in place, you may be able to set one up if 3 or more people in your practice or hospital purchase a policy. Make sure that your discount will remain on your policy for future increases even if you leave your current employer. Some policies require you to be at the discounted employer at the time when you increase your policy to maintain the discount.

Look for policies that cover you in your medical specialty. This is referred to as own occupation or specialty specific.

Set for Life Insurance has

discounts available for veterinarians throughout the country. This can help save you between 15% (for men) and 55% (for women). These rates are unisex (female rates are approximately 40% more than male) and have employer sponsored discounts. If you purchase the policy while still employed at the discounted hospital, the discount is permanent and applies to all future increases.

When requesting a quote, be sure to mention the name of your hospital.

Here are some of the hospitals around the country where we have available discounts:

• Albert Einstein College of Medicine
• Arizona Cancer Center
• Arizona Center for Integrative Medicine
• Arizona School of Dentistry and Oral Health
• Arnot Ogden Hospital
• Atlantic Health System
• Avista Adventist Hospital
• Barnes-Jewish Hospital in St. Louis
• Bassett Healthcare
• Baylor College of Dentistry
• Baylor Regional Medical Center
• Baylor University in TX
• Bellevue Hospital Center
• Beth Abraham Hospital
• Beth Israel Deaconess Medical Center
• Beth Israel Medical Center
• Boston Children’s Hospital
• Brigham and Women’s Hospital
• Bronx-Lebanon Hospital
• Bronx Veterans Affairs Medical Center
• Cambridge Health Alliance
• Cancer Institute of New Jersey
• Centura Health
• Children’s Hospital of Columbus
• Children’s Hospital of Denver
• Children’s Hospital of Philadelphia
• Children’s Learning Institute
• Children’s Medical Center of Dallas
• CHRISTUS Santa Rosa Children’s Hospital
• Cincinnati Children’s Hospital
• Coney Island Hospital
• Columbia University College of Dental Medicine
• Columbia University of Physicians and Surgeons
• Columbia University Medical Center
• Cooper University, NJ
• Cornell Farm Animal Hospital
• Cornell Feline Health Center
• Cornell Law School
• Cornell University
• Cornell University Hospital for Animals
• Cornell University College of Veterinary Medicine
• Dallas Regional Medical Center
• Dana-Farber Cancer Institute
• Denver Health Medical Center
• Doernbecher Children’s Hospital
• Duke Clinic
• Duke Children’s Hospital and Health Center
• Duke University
• Duke University Hospital
• Durham Regional Hospital
• Duke University School of Law
• Duke University School of Medicine
• Duke University School of Nursing
• Elmhurst Hospital Center in NY
• Emory University School of Dentistry
• Emory University School of Law
• Emory University
• Englewood Hospital and Medical Center in NY
• ENT and Allergy Associates, LLP, NY
• Forest Hills Hospital
• Four Winds Hospital
• Franklin Hospital
• Fuqua School of Business
• Golisano Children’s Hospital
• Good Samaritan Hospital Medical Center
• Glen Cove Hospital
• Harborview Medical Center
• Harlem Hospital Center
• Harvard Business School
• Harvard Dental School
• Harvard Law School
• Harvard Medical School
• Harvard Pilgrim Health Care
• Harvard University
• Helen Hayes Hospital
• Holy Name Hospital
• Hospital of the University of Pennsylvania
• Huntington Hospital
• Jacobi Medical Center
• Jersey City Medical Center
• Jewish Hospital of Louisville
• King’s County Hospital
• Kosair Children’s Hospital
• Kravis Children’s Hospital
• Lawrence Hospital
• Lenox Hill Hospital
• LIJ Dental School
• LIJ Hospital
• Lincoln Medical and Mental Health Center in New York
• Littleton Adventist Hospital
• Long Island College
• Long Island College Hospital
• Long Island Heart Associates
• Long Island Jewish Medical Center
• Lutheran Medical Center in Colorado
• Lutheran Medical Center in NY
• Lyndon B. Johnson General Hospital
• Manhattan Medical
• Massachusetts General Hospital
• Massachusetts General Hospital for Children
• McCombs School of Business
• McLean Hospital
• Medical College of Georgia
• Medical College of Georgia College of Dentistry
• Memorial Hermann Hospital
• Metropolitan Hospital Center in New York
• Monroe Carell Jr. Children’s Hospital
• Montefiore Medical Center
• Morgan Stanley Children’s Hospital in New York
• Morristown Memorial Hospital
• Mount Auburn Hospital
• Mount Sinai Hospital in New York
• Mount Sinai Hospital of Queens
• Mount Sinai North Shore Medical Group
• Mount Sinai School of Medicine
• Mt. Kisko Medical Group
• Nassau University Medical Center
• Nationwide Children’s Hospital in Columbus, Ohio
• New Milford Hosptial
• New Jersey Dental School
• New Jersey Medical School
• New Jersey School of Nursing
• New Jersey School of Osteopathic Medicine
• National Jewish Hospital Denver
• New York College of Podiatric Medicine
• New York Eye and Ear Infirmary
• New York Presbyterian Hospital
• New York University
• North Central Bronx Hospital
• North General Hospital
• North Shore Long Island Jewish Hospital
• North Shore Long Island Jewish Dental School
• North Shore Medical Group of the Mount Sinai School of Medicine
• Northwest Hospital
• Norton Hospital
• NSLIJ
• Nyack Hospital
• NYS College of Veterinary Medicine
• OHSU Hospital
• OHSU School of Dentistry
• Ohio State College of Dentistry
• Ohio State University
• Ohio State University Hospital
• Olin Business School
• Orange Regional Medical Center
• Oregon Health Sciences University
• Overlook Hospital
• Palisades Medical Center
• Parker Adventist Hospital
• Parkland Health and Hospital System
• Penn Dental Medicine
• Penn Presbyterian Medical Center
• Pennsylvania Hospital
• Penn Veterinary Medicine
• Penrose St. Francis Health Services
• Person Memorial Hospital
• Plainview Hospital
• Porter Adventist Hospital
• Pratt School of Engineering
• Queens Hospital Center
• Richard M. Ross Heart Hospital
• Robert Wood Johnson Medical School
• Robert Wood Johnson University Hospital
• Roosevelt Hospital in New York
• Rowan University
• Saint Peter’s University Hospital
• Sanford School of Public Policy
• Sea View Hospital Rehab Center and Home
• Seattle Children’s Hospital
• Skaggs School of Pharmacy
• SMDEP–University of Texas Dental Branch
• Southside Hospital
• Spaulding Rehabilitation Hospital
• Staten Island University Hospital
• St. Anthony’s Central Hospital
• St. Anthony’s Hospital of Denver
• St. Anthony’s North Hospital
• St. Anthony’s Summit Medical Center
• St. Barnabas Hospital
• St. Johns Riverside Hospital
• St. Joseph Hospital, Denver, CO
• St. Joseph’s Hospital and Medical Center, NY
• St. Luke’s Cornwall Hospital
• St. Mary-Corwin Medical Center
• St. Thomas More Hospital
• Stallworth Rehabilitation Hospital
• Stamford Hospital
• Steven and Alexandra Cohen Children’s Medical Center of New York
• Steele Children’s Research Center
• St. Louis Children’s Hospital
• St. Luke’s Babtist Hospital
• St. Luke’s Hospital in New York
• St. Joseph Hospital of Denver
• St. Mary’s Health Care, Louisville, KY
• St. Mary’s Hospital for Children in NY
• St. Vincent’s Hospital, Bridgeport, CT
• SUNY at Buffalo
• SUNY at Old Westbury
• SUNY Downstate Medical Center
• SUNY Health Science Center at Brooklyn
• SUNY University Hospital Stony Brook
• SUNY University at Syracuse
• SUNY Upstate Medical Center
• Syosset Hospital
• Texas A&M Health Sciences Center
• Texas Children’s Hospital
• Texas Scottish Rite Hospital for Children
• Texas Tech University Health Sciences Center
• The Parker Jewish Geriatric Institute
• UMDNJ University Hospital
• University Hospital of Brooklyn
• University Hospital St. Paul
• University Hospital Zale Lipshy
• University of Alaska-Anchorage
• University of Alaska-Fairbanks
• University of Arizona
• University of Arizona College of Medicine
• University of Arizona College of Nursing
• University of Arizona College of Pharmacy
• University of Arizona Mel and Enid Zuckerman College of Public Health
• University of Buffalo SUNY
• University of Cincinnati College of Medicine
• University of Colorado Health Sciences Center
• University of Colorado School of Dentistry
• University of Colorado School of Nursing
• University of Colorado School of Pharmacy
• University Hospital of Brooklyn
• University of Idaho
• University of Iowa Children’s Hospital
• University of Iowa Hospital
• University of Louisville
• University of Louisville School of Dentistry
• University of Louisville School of Medicine
• University of Louisville School of Nursing
• University of Lousiville School of Public Health and Information Sciences
• University of Medicine and Dentistry New Jersey UMDNJ
• University of Montana
• University of Montana School of Law
• University of Pennsylvania
• University of Pennsylvania School of Dental Medicine
• University of Pennsylvania School of Law
• University of Pennsylvania School of Nursing
• University of Texas 
• University of Texas Arlington
• University of Texas Austin
• University of Texas Brownsville
• University of Texas Dallas
• University of Texas El Paso
• University of Texas Medical Center
• University of Texas Medical School at Houston
• University of Texas Medical School at San Antonio
• University of Texas San Antonio
• University of Texas School of Architecture
• University of Texas School of Law
• University of Texas School of Nursing
• University of Texas School of Pharmacy
• University of Texas Tyler
• University of Texas Southwestern Medical Center
• University of Washington
• University of Washington School of Dentistry
• University of Washington Law School
• University of Washington Medical Center
• University of Washington School of Dentistry
• University of Wyoming
• University Physicians Hospital of Arizona
• Upstate Medical University College of Medicine
• Upstate Medical University College of Nursing
• Upstate Medical University–State University of New York
• Upstate University Hospital
• UT Medical Branch at Galveston
• UT MD Anderson Cancer Center
• UT Health Science Center at Tyler
• UTMB Joahn Sealy Hospital
• UTMB Waverly Smith Pavillion
• Valley Fever Center for Excellence
• Valley Hospital, Ridgewood, NJ
• Vanderbilt Dental School
• Vanderbilt University Law School
• Vanderbilt University School of Medicine
• Vanderbilt University
• Veterens Affairs Boston Healthcare System
• Veterans Affairs Hospital in Denver
• Veterans Affairs Medical Center in Dallas
• Washington University in St. Louis
• Washington University School of Dental Medicine
• Washington University School of Medicine
• Weill Cornell University Medical Center
• West Chester Hospital, OH
• Westchester Health Associates
• Wharton School of Business
• White Plains Hospital
• Winthorp University Hospital
• Woodhull Medical and Mental Health Center
• Woodruff Health Sciences Center WWAMI-Washington Wyoming Alaska Montana Idaho
• Zucker Hillside Hospital
• Many more!

For more information about orthopedic surgeon disability insurance, please contact the Set for Life Insurance office today.