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Pattern

Empowering doctors with quick, hassle-free disability insurance. Request free quotes in just 5 minutes and secure your financial future.

Discover why more than 20,000 doctors choose Pattern to check shopping for disability insurance off their to-do list💚 Content Disclosure:
All written content on this site is for information purposes only. Opinions expressed herein are solely those of Pattern, unless otherwise specifically cited. Material presented is believed to be from reliable sources and no representations are made by our firm

as to another parties' informational accuracy or completeness. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation. Pattern
10855 W Dodge Rd STE 220
Omaha, NE 68154

04/24/2026

“I’m healthy… I’ll do it later.”

That’s the exact mindset that can cost you more in the long run.

Dr. Redcross breaks down why getting disability insurance early in your medical career matters:

💡 Lower premiums now
💡 Big savings over time
💡 Easier approval while you’re young and healthy

Get your free quote today using the link in our bio!

04/10/2026

One injury. One moment. Everything changes.

As Dr. Derrick Burgess explains, physicians and surgeons operate at the highest level, long hours, high stakes, and zero margin for error. Just like elite athletes, even a small loss in function can mean stepping away from the career you’ve spent years building.

And when you can’t practice, it’s not just your job on the line, it’s your income, your lifestyle, and everything you’ve worked for.

Protect your future today using the link in our bio!

03/31/2026

Maxing out your 401(k) is smart, but disability insurance is just as essential. Safeguard your income today so your tomorrow stays on track.

✅ Income protection

✅ Retirement growth

🔗 Get your free quote today in our bio!

01/28/2026

𝗪𝗵𝗲𝗻 𝘆𝗼𝘂 𝗿𝗲𝗺𝗲𝗺𝗯𝗲𝗿 𝗯𝗲𝘁𝘄𝗲𝗲𝗻 𝗰𝗮𝘀𝗲𝘀...
…and know if you don’t do it right now, it’s not happening for 6 months.

𝗗𝗶𝘀𝗮𝗯𝗶𝗹𝗶𝘁𝘆 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗾𝘂𝗼𝘁𝗲𝘀.
👉 Link in bio.

12/10/2025

𝗘𝘃𝗲𝗿 𝘁𝗿𝘆 𝗻𝗲𝗴𝗼𝘁𝗶𝗮𝘁𝗶𝗻𝗴 𝘄𝗶𝘁𝗵 𝗮𝗻 𝟴𝟬𝟬-𝗹𝗯 𝗴𝗼𝗿𝗶𝗹𝗹𝗮?

My daughter did.
He stared… she stared…
Nobody moved. 😅

And honestly?
Doctors trying to negotiate disability insurance premiums have about the 𝘴𝘢𝘮𝘦 success rate.

Here’s the truth:
You 𝗰𝗮𝗻’𝘁 haggle DI rates. Not with charm, persistence, or even your MD behind your name.

𝗥𝗮𝘁𝗲𝘀 𝗮𝗿𝗲 𝗹𝗼𝗰𝗸𝗲𝗱 𝗶𝗻 𝗯𝘆 𝗮𝗴𝗲, 𝗵𝗲𝗮𝗹𝘁𝗵, 𝘀𝗽𝗲𝗰𝗶𝗮𝗹𝘁𝘆, 𝗮𝗻𝗱 𝘀𝘁𝗮𝘁𝗲-𝗿𝗲𝗴𝘂𝗹𝗮𝘁𝗲𝗱 𝗽𝗿𝗶𝗰𝗶𝗻𝗴.

BUT—> just like stepping around the gorilla instead of arguing with him, there are smart ways to lower your cost:

1️⃣ 𝗔𝗽𝗽𝗹𝘆 𝗘𝗮𝗿𝗹𝘆
Younger + healthier = cheaper. Wait a few years? Your premiums climb… fast.

2️⃣ 𝗘𝗺𝗽𝗹𝗼𝘆𝗲𝗿 𝗗𝗶𝘀𝗰𝗼𝘂𝗻𝘁𝘀
If a broker already serves multiple physicians at your hospital, you may get built-in discounts.
***Pattern has these at most major health systems nationwide.

3️⃣ 𝗖𝘂𝘀𝘁𝗼𝗺𝗶𝘇𝗲 𝗬𝗼𝘂𝗿 𝗣𝗼𝗹𝗶𝗰𝘆 (𝗦𝘁𝗿𝗮𝘁𝗲𝗴𝗶𝗰𝗮𝗹𝗹𝘆)
You don’t need every bell and whistle.
You do need the 3–4 riders that actually protect your income.
The rest? Optional.
(𝗗𝗠 𝗶𝗳 𝘆𝗼𝘂 𝘄𝗮𝗻𝘁 𝘁𝗼 𝗸𝗻𝗼𝘄 𝘄𝗵𝗶𝗰𝗵 𝗿𝗶𝗱𝗲𝗿𝘀 𝘆𝗼𝘂 𝘀𝗵𝗼𝘂𝗹𝗱 𝗶𝗻𝗰𝗹𝘂𝗱𝗲 𝘄𝗶𝘁𝗵 𝘆𝗼𝘂𝗿 𝗽𝗼𝗹𝗶𝗰𝘆)

You can’t negotiate premiums…
But you can outsmart them.

12/09/2025

𝗘𝗺𝗽𝗹𝗼𝘆𝗲𝗿 𝗗𝗶𝘀𝗮𝗯𝗶𝗹𝗶𝘁𝘆 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗶𝘀 𝗡𝗢𝗧 𝗱𝗲𝘀𝗶𝗴𝗻𝗲𝗱 𝗳𝗼𝗿 𝗱𝗼𝗰𝘁𝗼𝗿𝘀.
And honestly? For physicians… it kind of sucks. 👀

Here’s the truth most employers don’t realize:

Group disability insurance is built to cover everyone under the roof---> from the admin desk to the janitorial staff.
It doesn’t care about specialty training, surgeon-level skillsets, or the fact that your income is your biggest financial asset.

So what does that actually mean for you?

Let’s hit the big problems 👇

• 𝗜𝘁’𝘀 𝗻𝗼𝘁 𝘁𝗿𝘂𝗲 𝗼𝘄𝗻-𝗼𝗰𝗰𝘂𝗽𝗮𝘁𝗶𝗼𝗻.
Most employers think it is… but it rarely protects your actual medical duties.

• 𝗬𝗼𝘂 𝗰𝗮𝗻’𝘁 𝘁𝗮𝗸𝗲 𝗶𝘁 𝘄𝗶𝘁𝗵 𝘆𝗼𝘂.
Most physicians leave their first job within 3 years. Your coverage stays behind.

• 𝗛𝗲𝗮𝗹𝘁𝗵 𝗰𝗵𝗮𝗻𝗴𝗲𝘀? 𝗧𝗼𝗼 𝗯𝗮𝗱.
If something develops in those first 3 years, your future insurability might be gone.

• 𝗕𝗲𝗻𝗲𝗳𝗶𝘁𝘀 𝗮𝗿𝗲 𝘁𝗮𝘅𝗮𝗯𝗹𝗲.
Your employer deducted the premiums → you take home 30–40% less than the number you’re counting on.

• 𝗧𝗵𝗲𝘆 𝗰𝗮𝗻 𝗰𝗵𝗮𝗻𝗴𝗲 𝘁𝗵𝗲 𝗽𝗼𝗹𝗶𝗰𝘆 𝗮𝗻𝘆𝘁𝗶𝗺𝗲.
Nobody asks you. Nobody needs your permission.

• 𝗗𝗲𝗳𝗶𝗻𝗶𝘁𝗶𝗼𝗻𝘀 𝗮𝗿𝗲 𝘃𝗮𝗴𝘂𝗲.
The broader the definition of disability, the easier it is for the insurer to 𝗱𝗲𝗻𝘆 𝗰𝗹𝗮𝗶𝗺𝘀.

Now, most employers mean well. They think they’re giving you a solid benefit.

But here’s the final punch to the gut:
Group coverage actually 𝗹𝗶𝗺𝗶𝘁𝘀 your ability to secure the high-quality, true own-occupation protection physicians actually need.

So here’s the real comparison:

𝗣𝗿𝗶𝘃𝗮𝘁𝗲 𝗗𝗶𝘀𝗮𝗯𝗶𝗹𝗶𝘁𝘆 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 (𝗕𝗶𝗴 𝟱 𝗖𝗮𝗿𝗿𝗶𝗲𝗿𝘀)
✔ True own-occupation
✔ Tax-free benefits
✔ Portable (go wherever your career takes you)
✔ You can still earn income in another job and collect full benefits
✔ Covers partial disability + recovery periods
✔ COLA available

𝗘𝗺𝗽𝗹𝗼𝘆𝗲𝗿 𝗚𝗿𝗼𝘂𝗽 𝗖𝗼𝘃𝗲𝗿𝗮𝗴𝗲
✘ Not own-occupation
✘ Taxable
✘ Not portable
✘ No ability to work elsewhere and still receive benefits
✘ Partial disability often not covered
✘ No recovery benefit
✘ COLA rarely included
✘ Everyone qualifies… which is part of the problem

Doctors: your income is your engine.
𝗣𝗿𝗼𝘁𝗲𝗰𝘁 𝗶𝘁 𝘄𝗶𝘁𝗵 𝘀𝗼𝗺𝗲𝘁𝗵𝗶𝗻𝗴 𝗱𝗲𝘀𝗶𝗴𝗻𝗲𝗱 𝗳𝗼𝗿 𝗬𝗢𝗨, 𝗻𝗼𝘁 𝗳𝗼𝗿 “𝗲𝘃𝗲𝗿𝘆𝗼𝗻𝗲.”

Pattern specializes in helping doctors compare and buy true own-occupation disability insurance. DM if you'd like help reviewing your options.

12/04/2025

Year-end reflections for physicians: focus on your energy, set healthy boundaries, and reconnect with your purpose 💚.

11/25/2025

🔥 𝗧𝗵𝗲 𝟯 𝗺𝗼𝗻𝗲𝘆 𝗺𝗶𝘀𝘁𝗮𝗸𝗲𝘀 𝗜 𝘀𝗲𝗲 𝗲𝗮𝗿𝗹𝘆-𝗰𝗮𝗿𝗲𝗲𝗿 𝗱𝗼𝗰𝘁𝗼𝗿𝘀 𝗺𝗮𝗸𝗲 𝗼𝘃𝗲𝗿 𝗮𝗻𝗱 𝗼𝘃𝗲𝗿.

❌ 𝗠𝗶𝘀𝘁𝗮𝗸𝗲 #𝟭: 𝗟𝗶𝗳𝗲𝘀𝘁𝘆𝗹𝗲 𝗜𝗻𝗳𝗹𝗮𝘁𝗶𝗼𝗻
First attending paycheck hits… and suddenly everything levels up.
But margin —> not upgrades It won’t.
And every year you wait costs you the one thing you can’t buy back: 𝗧𝗜𝗠𝗘.
Start early. Let compound interest do the heavy lifting.

❌ 𝗠𝗶𝘀𝘁𝗮𝗸𝗲 #𝟯: 𝗧𝗿𝘂𝘀𝘁𝗶𝗻𝗴 𝗘𝗺𝗽𝗹𝗼𝘆𝗲𝗿 𝗕𝗲𝗻𝗲𝗳𝗶𝘁𝘀
Your hospital’s disability plan looks fine… until you need it.
• 𝗧𝗮𝘅𝗮𝗯𝗹𝗲.
• 𝗡𝗼𝘁 𝗽𝗼𝗿𝘁𝗮𝗯𝗹𝗲.
• 𝗪𝗮𝘁𝗲𝗿𝗲𝗱-𝗱𝗼𝘄𝗻 𝗽𝗿𝗼𝘁𝗲𝗰𝘁𝗶𝗼𝗻.
You need 𝘁𝗿𝘂𝗲 𝗼𝘄𝗻-𝗼𝗰𝗰𝘂𝗽𝗮𝘁𝗶𝗼𝗻 coverage that protects your specialty —> not whatever HR negotiated to keep benefits expenses low.

💡 Quick recap:
• Keep lifestyle tight
• Invest early
• Protect your income with DI

Do these three and you’ll quietly put distance between you and your peers.

10/28/2025

The reality is that disability insurance protects mental health as well.

Long hours. High stakes. Constant pressure. Burnout is real for doctors.

Disability insurance does more than protect your income, it gives you the time and space to care for your mental health. 💚

💡 Protect your income and mental health, all in one coverage. Get your free quote in our bio.

10/09/2025

𝟳 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲𝘀 𝗘𝘃𝗲𝗿𝘆 𝗘𝗮𝗿𝗹𝘆-𝗖𝗮𝗿𝗲𝗲𝗿 𝗣𝗵𝘆𝘀𝗶𝗰𝗶𝗮𝗻 𝗦𝗵𝗼𝘂𝗹𝗱 𝗟𝗼𝗰𝗸 𝗗𝗼𝘄𝗻

Before you worry about investing or paying off loans, make sure the basics are covered.

Here are the big seven every doctor should have on their radar 👇

1️⃣ 𝗗𝗶𝘀𝗮𝗯𝗶𝗹𝗶𝘁𝘆 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲
• Your ability to practice is your greatest financial asset...worth (10s of) millions.
• A 𝘵𝘳𝘶𝘦 𝘰𝘸𝘯-𝘰𝘤𝘤𝘶𝘱𝘢𝘵𝘪𝘰𝘯 policy protects your specialty income if injury or illness sidelines you. can help with this.

2️⃣ 𝗧𝗲𝗿𝗺 𝗟𝗶𝗳𝗲 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲
• If anyone depends on you: spouse, kids, even future family...this is non-negotiable.
• Skip the complicated permantent life “investment” pitches. Term coverage is simple, cheap, and exactly what you need.

3️⃣ 𝗛𝗲𝗮𝗹𝘁𝗵 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲
• I know, 𝘐 𝘬𝘯𝘰𝘸....unless you currently have a better solution, this is a necessary evil.
• One hospital bill can derail your finances faster than med-school debt.
• Know your deductible and pair it with an emergency fund to cover it.

4️⃣ 𝗠𝗮𝗹𝗽𝗿𝗮𝗰𝘁𝗶𝗰𝗲 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲
• Understand what’s covered by your employer and what’s not.
• If you do locums or moonlight, make sure you have your own protection.

5️⃣ 𝗨𝗺𝗯𝗿𝗲𝗹𝗹𝗮 𝗟𝗶𝗮𝗯𝗶𝗹𝗶𝘁𝘆 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲
• Extra personal liability coverage that sits on top of your auto and home policies.
• As your income grows, so does your target size....this is your inexpensive shield.

6️⃣ 𝗛𝗼𝗺𝗲 𝗼𝗿 𝗥𝗲𝗻𝘁𝗲𝗿𝘀 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲
Even if you’re renting, protect your stuff...and yourself....if someone gets hurt on your property.

7️⃣ 𝗔𝘂𝘁𝗼 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲
• It’s not glamorous, but it’s essential.
• Carry higher liability limits (like $500k)...trust me.

You can’t control the future, but you can control your protection plan.
𝗦𝗺𝗮𝗿𝘁 𝗽𝗵𝘆𝘀𝗶𝗰𝗶𝗮𝗻𝘀 𝗱𝗼𝗻’𝘁 𝗷𝘂𝘀𝘁 𝗺𝗮𝗸𝗲 𝗺𝗼𝗻𝗲𝘆. 𝗧𝗵𝗲𝘆 𝗽𝗿𝗼𝘁𝗲𝗰𝘁 𝗶𝘁.

Address

11808 Miracle Hills Drive, Suite 200
Omaha, NE
68154

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Wednesday	8am - 5pm
Thursday	8am - 5pm
Friday	8am - 5pm

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https://linktr.ee/patternlife

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