Direct answer
You need a true Own-Occupation disability policy plus $3M to $5M in personal umbrella liability coverage.
You require a true "Own-Occupation" disability policy defined down to your exact medical sub-specialty or administrative role. Additionally, because high earners are frequent litigation targets, we implement a minimum of $3M to $5M in personal umbrella liability coverage.
Recommended disability and umbrella liability limits are generic benchmarks for educational purposes. Final coverage requirements depend on individual underwriting, state laws, and specific professional exposure.
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