Guardian Disability Insurance for Anesthesiologists

There are many reasons why the Provider Choice policy is the disability insurance selected by many anesthesiologists. Guardian's Provider Choice policy was designed specifically for physicians. They have the most comprehensive definition of total disability in the market today. It is an enhanced true own-occupation with medical specialty language just for physicians, and it is not available anywhere else!

Guardian has been a market leader in the disability insurance market for decades. The majority of their DI policyholders are physicians. This policy was specifically designed with your needs in mind, and there is a good chance many of your colleagues own a Guardian disability insurance policy as well.

GSI Disability Insurance for Residents and Fellows

There are guaranteed standard issue (GSI) disability insurance offers from multiple insurance carriers at hundreds of hospitals nationwide. Regardless of the company, you should always take advantage of a GSI offer if one exists at your hospital.

This is an extensive list of Guardian GSI disability insurance offers you can use nationwide.

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Guardian Provider Choice Features

  • Enhanced True Own Occupation - You've probably heard you need "own occupation" coverage, but this is one step better and only available through Guardian. It's one of the best definitions of disability available for physicians in the industry.
     
  • Serious Illness Endorsement - Guardian offers an endorsement that will pay you an additional 50% of your monthly benefit over and above your normal monthly benefit if you become totally disabled from cancer, stroke, or a heart attack for up to 12 months. This gets more money in your pocket for 3 of the most common causes of disability than any other carrier will pay you.
     
  • Enhanced Partial Disability Benefit - Most policies start paying you a partial disability benefit when you have a loss of income of 20% or more in your occupation. Guardian reduces this threshold to 15% under the enhanced partial disability benefit rider,  starting your payments earlier than other carriers. They also pay you more money during the first 12 months of a claim. Guardian pays you your full monthly disability benefit as long as that benefit plus your reduced income doesn't exceed what you made when working full time.

These three benefits are only available through Guardian's Provider Choice disability insurance policy and are a major reason anesthesiologists choose Guardian to protect their income.

1. Individual disability income products underwritten and issued by Berkshire Life Insurance Company of America (BLICOA), Pittsfield, MA. BLICOA is a wholly owned stock subsidiary of The Guardian Life Insurance Company of America (Guardian), New York, NY. Product provisions and availability may vary by state.

7192853.1 Exp: 10/30/26