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Group Disability Insurance for Your Physician Workforce
Watch Time: 2 Mins Reading Time: 3 Mins Presented by Hollowtree Updated April 27, 2026
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Insurance Specialists
Ready to review these numbers for your organization?
If your organization employs 1099 physicians -- through an MSO, a staffing model, or a locum tenens arrangement -- there's a gap in their compensation package that's costing you physicians.
Individual disability insurance for a physician costs two to five percent of their annual income. On a $250,000 base, that's $5,000 to $12,500 per year, out of pocket, medically underwritten, with no guarantee of approval. Most 1099 physicians either go without coverage or carry it as a personal financial burden that affects how they evaluate their relationship with your organization.
Group disability insurance changes both the price and the eligibility.
Through Hollowtree's CCA model -- a cooperative coverage arrangement -- 1099 physicians can access group DI rates without full-time employment status. The coverage cost drops significantly. Individual underwriting requirements are relaxed. And the benefit is accessible to physicians who would otherwise be declined or priced out.
For MSOs and locum tenens companies, offering group DI access creates a measurable recruitment and retention advantage. Physicians weigh income protection heavily in practice decisions. When your organization can offer group coverage that an individual cannot obtain on their own, that's not a perk -- it's a differentiator.
At Hollowtree, we handle carrier relationships, CCA administration, enrollment, and ongoing compliance. Your HR team onboards physicians. We handle the rest.
Book a 15-minute briefing with our team. We'll walk through the CCA model and what it costs to offer versus what it costs to not offer.
About the Presenter
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Hollowtree
Insurance Specialists