Guardian Disability Insurance for Cardiologists

Enhanced Own-Occupation Definition Just for Physicians

If you want to know why Guardian's Provider Choice disability insurance policy is a market leader among physicians, it is because of their definition of total disability. It was designed specifically for physicians. No other insurance company can say they have a more comprehensive definition of total disability for a cardiologist than Guardian. We encourage you to take a look at the details, and read about Guardian's enhanced true own-occupation definition just for physicians.

Most of the top carriers in the marketplace offer some protection in your own-occupation, but Guardian offers one of the best definitions in the market.

(Guaranteed Issue) GSI Disability Insurance for Fellows

Guardian has a guaranteed standard issue disability insurance offer for Cardiology Fellows at 125 hospitals nationwide and growing. This means eligible applicants can obtain their top-tier Provider Choice policy with no medical questions asked. You are also eligible for permanent discounts of up to 20% if you purchase your policy during training or within 90 days of graduation. The following link is a partial list of Guardian GSI disability insurance offers we can help you with. Buying a policy during your fellowship is always the best option.

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Enhanced True Own Occupation Just for Physicians

Like other own-occ policies, Guardian pays you if you cannot perform the material and substantial duties of your regular occupation and will pay you even if you choose to make money doing something else (so long as you can't perform the duties of your regular occupation). Cardiologists buy Guardian because their definition is 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 be eligible for total disability benefits.

Additional Product Features

Serious Illness Endorsement - Guardian will pay you an additional 50% of your monthly benefit over and above your normal monthly benefit if you become disabled from cancer, stroke, or a heart attack for up to 12 months.

Future Increase Option - Guardian offers a maximum monthly benefit of $30,000. If you were to purchase a smaller monthly benefit now, you could add the future increase option rider to guarantee yourself the ability to buy more coverage later on as your income increases, regardless of any adverse changes to your health.

The Provider Choice Disability Insurance Policy

Guardian's contract is the best way to protect your family, and when it all comes down to it, that is probably why you are reading this page right now. No other policy in the marketplace can say they offer you better protection, which is why Guardian has been a market leader in disability insurance for physicians for the last 20 years. They have the best definition of total disability a cardiologist could want. If the bullet points above are not enough information, we invite you to read about the Provider Choice disability insurance contract.

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.

7187382.1 Exp: 10/30/26