The Definition of Total Disability is the core of any disability income policy because it is the key to determining your eligibility for benefits. Guardian's True Own-Occupation Definition of Total Disability allows you to receive full disability benefits, even if you’re gainfully employed in another occupation or capacity — with no benefit reduction. So, if you have the energy, interest, and motivation to pursue another occupation while totally disabled in your occupation, their True Own-Occupation definition does not prevent you from doing so.
If you are a dentist who has limited your occupation to performing a single dental specialty, they will consider that specialty your occupation.
One of the benefits of working with an agency specializing in disability insurance is we keep an extensive database of every available discount in every state. We cannot say that every client will have a discount available to them, but we can say that we know how to obtain every discount possible. We aim to get you the best coverage possible at the lowest rate. The disability insurance calculator on this page does not include available discounts, but your agent will update you with any that he finds.
Many dentists buy their disability income insurance at the end of dental school or during their residency. Guardian offers the Student Loan Protection Rider to reimburse you for student loan payments made during a claim. Your policy benefits should not have to go towards paying off your student loans during a claim. This inexpensive rider makes sure that doesn't happen.
There is one aspect to the Enhanced Partial Disability Benefit Rider that we believe is vital and even more important to dentists. Guardian1 does not require a "loss of time or duties" to pay partial benefits. Most of our top competitors do. This means you will be paid until you recover financially, not just physically. When you are on a claim for an extended period of time, your patients are going to go somewhere else, and if you recover from your illness or accident a year later, it is going to take quite a bit of time to rebuild your practice. Even though you have physically recovered, Guardian will continue to pay you until your income loss is less than 15% for the entire benefit period.
