As a cardiologist, you need to protect your ability to earn a future income. The best way to do that is to invest in an individual disability insurance policy that will continue to pay up to 60 percent of your salary in the event that you become ill or have an accident. Moreover, unlike most group disability insurance policies, an individual own occupation disability insurance policy allows you to receive your insurance benefit even if you are able to work in another occupation or even another specialty. You have invested a significant amount of time and money into your career. Protect that investment.