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Afferent Solutions for Individuals

Get advice and assistance the way you need it and when you need it.

1 in 5 physicians diagram

1 in 5 physicians will be out of work for more than a year due to illness or injury.

Smart Disability Insurance Planning

Afferent recommends that all medical professionals take into account "the 3 C’s" when choosing a disability plan. These will help you determine the correct company and correct plan when purchasing.

Company Strength

Defined by top ratings agencies based on financial strength. The company’s financial wellbeing could speak to their ability to payout your plan should you have to file a claim.


“definition” unique for medical professionals (i.e., own-occupation disability insurance plan). As a medical professional, just being able to physically show up for work doesn’t mean you can’t be disabled. Anything affecting your dexterity could cost you your livelihood.


The overall value of the plan. Weighing the annual cost of the plan with the benefit it provides. A slightly cheaper premium for far inferior coverage could be something you regret should you become disabled. To get the best pricing, the earlier you purchase, the lower the cost of the plan throughout your career.

1 in 5 physicians diagram

1 in 5 physicians will be out of work for more than a year due to illness or injury.

Disability Income GAP Example Chart

Above chart assumes a 25% tax rate and a Group LTD plan paid for by the employer that provides 60% to $10,000 per month.

A group disability plan alone isn’t enough protection for medical professionals—maximize your protection!

limitations of group long-term disability coverage (GLTD) create a need to reduce the ‘gap’ between a medical professional’s income and the disability benefit available to them.

Unfortunately, many medical professionals may lack awareness that there even is a need for additional protection.

Making the Best Decision for You and Your Family

With 60% of physicians reporting that they know another medical professional who has suffered a disability, getting the right coverage is key.

Every medical professional’s circumstance is unique, so to find your best coverage and request a free quote, contact a licensed Afferent insurance specialist. Get started now or call 979.820.4640.

Investment Advisory Services are offered through Afferent Investments, LLC., an SEC registered investment advisor. The firm only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements. SEC registration is not an endorsement of the firm by the Commission and does not mean that the advisor has attained specific level of skill or ability.

Employees of Afferent Provider Solutions, LLC and Afferent Insurance Services, LLC only conduct business with residents of states and jurisdictions in which they are legally licensed and registered. Information and services noted on this website may differ from state to state. Our Privacy Policy discusses how we handle and use your personal information.

Afferent Provider Solutions and associated companies are not a law firm or an accounting firm, and the employees are not acting as your attorney or tax accounting advisor. Services provided by Afferent Provider Solutions and associated companies cannot take the place of an attorney or CPA’s advice. Use of services provided by Afferent Provider Solutions and associated companies are not indicative of an attorney-client or tax accounting advisor relationship with Afferent Provider Solutions or any of its employees. Legal and tax services are provided directly by qualified healthcare attorneys and tax accountants through partnerships.

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