Guardian Disability Insurance for Dermatologists

Enhanced True Own-Occupation Designed Just for Physicians

The core of any disability insurance policy is the definition of total disability. Guardian's Enhanced True Own-Occupation definition of total disability allows you to receive your full benefits, even if you are gainfully employed in another occupation, with no reduction in benefits. So, if you can pursue another occupation while totally disabled in your occupation, Guardian does not prevent you from doing so.

It is also important to have language in your policy that protects you down to your medical specialty. The ProVider Choice policy states that they will assess whether you qualify by looking at your key duties, including those you performed in your medical specialty when your disability began.

It Gets Even Better!

This is some of the strongest, most flexible protection a dermatologist can get—it's not available anywhere else in the industry!

In addition to the True Own-Occupation definition of total disability, Guardian adds the following language to ensure you get the benefits you need. They will consider you totally disabled if more than 50% of your income is from;

  • Hands-on patient care and, solely because of sickness or injury, 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.

If you don't qualify for benefits under the source-of-earnings formula above, then they will look at your key duties, including those you were performing in your medical specialty at the time your disability began, to assess whether you qualify.

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Guaranteed Issue or GSI Disability Insurance for Residents and Fellows

There are over 100 hospitals nationwide where a resident or fellow can buy a Guardian Provider Choice disability insurance policy on a guaranteed issue basis. That means no medical questions are asked of eligible applicants. You can also receive permanent discounts of up to 20% if you purchase a policy while still in training or within 90 days of graduation.

Dermatologist with male patientYou should always take advantage of a GSI disability insurance offer if one exists at your hospital, regardless of the insurance company offering it. A large percentage of graduating residents and fellows have medical histories that could result in a decline or modified offer, and a GSI offer will give you full protection for conditions like;

  1. Stress, Anxiety, Depression
  2. ADHD
  3. Pregnancy Complications
  4. Recent Needle Stick
  5. Build / BMI
  6. Chiropractic History
  7. Diabetes
  8. Cancer

Other Product Features & Options

Serious Illness Supplement Benefit Endorsement - 90% of all long-term claims are illness-related, and some of the leading causes are cancer, stroke, and heart disease. This feature pays an additional 50% of your monthly benefit above and beyond your normal monthly benefit for the first 12 months of the policy if you are disabled because of cancer, stroke, or heart disease.

Enhanced Partial Disability Benefit Rider - You are buying disability insurance to protect your income now and your lifetime earnings potential. The Enhanced Partial Disability Benefit Rider does not require a loss of time or duties to pay a partial claim, so the rider allows a recovery benefit to be payable until the end of the benefit period. Our competitors who do require a loss of time or duties stop paying a partial benefit when you return to full-time work and may limit their recovery benefits. The Enhanced Partial Disability Benefit Rider continues to pay you until you recover financially, not just physically.

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.

7202651.1 Exp: 10/30/26