Compared with other professionals, physicians generally have a strong understanding of the critical importance that disability insurance plays in their overall plans for financial well-being and security.

But research from AMA Insurance Agency finds there are some disability insurance details—ones that can make a big impact on covering your bottom line should the need arise—that lots of doctors may overlook. Mike Hegwood is director of brokerage marketing at AMA Insurance Agency Inc., which is licensed as an insurance producer in all 50 states. He took time to review with this writer four of those fine points, and why they matter.

My latest for the AMA. The whole shebang.