Not trying to start a thread of hospital employed vs private practice, but a huge advantage of a large group is them providing disability insurance, both long term and short. Obviously there are differences if you pay vs. them and whether taxed vs not taxed, but still there is better negotiating power. The point is, make sure you have disability insurance, both short term and long term. Yeah it sucks if you have to pay premiums yourself, but it is important. You have car insurance, life...
Disability insurance
Disability insurance