Guardian Disability Insurance for Radiologists

The Enhanced True Own-Occupation Definition of Total Disability Just for Physicians

Other companies offer own-occupation disability insurance for physicians, but none of them have the level of medical specialty language Guardian offers built into the contract. It is the definition of total disability that is at the core of any policy, so when you have the best language dictating how the company pays a claim, there is no comparison when you look at other options. No other company offers this definition to a radiologist.

Guardian's Enhanced True Own-Occupation Definition of Total Disability, designed just for physicians, allows you to receive your full disability benefits, even if you are gainfully employed in another occupation or medical specialty -- with no reduction in benefits. So, if you have the energy, interest, and motivation to pursue another occupation while totally disabled in your occupation, this definition does not prevent you from doing so.

Guaranteed Standard Issue (GSI) Disability Insurance for Residents and Fellows

Guardian has more GSI disability insurance offers nationwide than any other company. If you are still in training, and if ANY carrier has a GSI offer to the residents and fellows at your hospital, you should take advantage of it. There is no good reason to apply elsewhere if you can use any company's guaranteed issue offer.

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The Preferred Occupation Discount

business professional writing in a notepadThere is also some good news: Guardian has placed all radiologists on the list of physicians who receive a 10% preferred occupation discount. Guardian may not be your least expensive option, but it is competitively priced, and this discount helps. If you want to protect your current and future earnings potential and your family the best way possible, there is no better choice than Guardian's Provider Choice.

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 radiologists 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.

7192864.1 Exp: 10/30/26