One of the best investments an obstetrician can make is in an individual disability insurance policy. Disability insurance pays up to 60 percent of an obstetrician’s income if the insured becomes disabled. Moreover, own occupation policies still pay disabled obstetricians premiums even if they are able to work in another field or medical specialty. Whether your obstetrics practice focuses on prenatal care and screening for pregnancy complications; childbirth and labor; the postnatal period; or a combination thereof, a individual disability insurance policy protects your future income and ability to work in your chosen specialty.