A Game Changer

As a leading provider of individual disability insurance for physicians, we understand your unique needs regarding income protection. That knowledge shaped the development of a special disability policy just for physicians, which raises the bar for what you can expect regarding DI.

True own-occupation protection

Our Enhanced True Own-Occupation protection¹ just for physicians and doctors of osteopathy starts with our strong True Own-Occupation Definition of Total Disability. If totally disabled, you can receive your full disability benefits even if you’re gainfully employed in another occupation or capacity. And, while totally disabled in your own occupation, there may be instances where you can even work in your own business or practice and still collect your full disability benefit.

Plus more ways to qualify for benefits

Then, we add a straightforward, easy-to-understand formula to qualify for benefits. It’s based on your source of earnings and provides more ways to qualify for benefits. We’ll consider you totally disabled if more than 50% of your income is from 

• Hands-on patient care and, solely because of injury or illness, you can no longer perform hands-on patient care or
   
• Performing surgical procedures and, solely because of injury or illness, you can no longer perform surgical procedures.

That’s not all. Suppose you don’t qualify for benefits under the source-of-earnings formula above. In that case, we’ll look at your key duties, including those you performed in your medical specialty when your disability began, to assess whether or not you qualify. Because we evaluate your situation from multiple perspectives, we give you more ways to qualify for total disability benefits.

This special DI protection is a game-changer for physicians.