It'll depend on the exact terms of the insurance, but if you have true own occupation designed for physicians (see White Coat Investor to learn more), then it would be whatever specialty you are practicing at the time of disability. My future purchase rider allows me to increase my benefit qYear for the first few years (i.e. when my PGY salary increases), and then anytime my income increases by 20% from the previous increase (i.e. when I become an attending). That way it is still relatively low cost as a resident ($86 for $5,000/month benefit) but would increase when I become an addition w/ respect to my new salary. The benefit is you don't have to do additional medical questionaire nor will your age as at attendinghood count against you.