Guardian Disability Insurance for Emergency Medicine Physicians

Emergency Medicine physicians have a unique perspective on disability insurance. You see firsthand that an illness or accident does not care what you do for a living and can cause you to be unable to work for an extended period. The Guardian Life Insurance Company of America is a market leader in physician disability insurance. Their Provider Choice policy has an enhanced true own-occupation definition of total disability just for physicians.

True Own Occupation Coverage is Still the "Gold Standard"

We talk a lot about the importance of a policy protecting you in your medical specialty. This is most important for physicians with very technical duties where a sudden accident or illness could impact their ability to perform these duties and, thus, their job. As an emergency medicine physician, you must be able to work quickly under pressure and handle many technical procedures. If you could not do these duties, it's still likely that you could work in medicine - just not in the Emergency Room. It's also likely that this medical career would pay you less than you're making now as an ER physician. That's where the True Own Occupation disability insurance policy comes in. 

GSI Disability Insurance

If you are a Resident, you should take advantage of any (guaranteed standard issue) GSI disability insurance offers. Eligible Residents can get a Guardian disability insurance policy with no medical questions asked and permanent discounts of up to 30%.