Guardian Disability Insurance for Physicians

To say that we specialize in disability insurance for physicians is an understatement. Most of Guardian's DI sales are to the medical community. The "Core Strength" of the Provider Choice policy is an enhanced true own-occupation definition that is just for physicians and is not available anywhere else.

Residents and Fellows can use GSI disability insurance offers from Guardian at more hospitals than any other company. Guardian's disability insurance policy is some of the most comprehensive disability income insurance protection a physician can own, regardless of your medical specialty. There is a strong chance many of your colleagues also own a Guardian policy that they have had since residency.

 

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A DEFINITION JUST FOR PHYSICIANS

This is some of the strongest, most flexible protection a physician can get — this is not available anywhere else in the industry!

Our enhanced definition starts with our strong True Own-Occupation Definition of Total Disability. If totally disabled, it gives a physician the flexibility to be gainfully employed, sometimes even in their own practice, and still receive total disability benefits. Then, we add a straightforward, easy-to-understand formula to qualify for benefits. It’s based on the source of your earnings and provides more ways to qualify for total disability benefits.

PhysicianWe’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.

If you have limited your occupation to the performance of the material and substantial duties of a single medical specialty, we will deem that specialty to be your occupation. 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 you qualify.

Additional Benefits of a Guardian Policy for Physicians

  • Enhanced Partial Disability Benefit Rider
  • Serious Illness Supplement
  • Student Loan Rider
  • Catastrophic Disability Benefits

Getting Every Available Discount

Technically, every agent in the country offers the same rate for a Guardian disability insurance policy. All agents are not created equal! We maintain an extensive list of discounts we can use to help you reduce the cost whenever possible. There are discounts available from state medical associations, hospitals, and private practices nationwide that we can use to help you reduce the cost of your disability income policy.

Why Doctors Choose Guardian Disability Insurance

Guardian rose in popularity in the medical community in the late 1990s because it was one of the last companies offering physicians a true own-occupation definition that protected them in their medical specialty. That has never changed with Guardian, and while years later, other companies also offer that provision, Guardian has that and so much more in its Provider Choice policy.

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.

7182372.1 Exp: 10/20/26