Guardian Disability Insurance Brokerage

Anesthesiologist Disability Insurance

In your medical specialty, it is a necessity to be covered by a disability insurance policy that recognizes your specialty. With Berkshire, if you have limited your occupation to the performance of the material and substantial duties of a single medical specialty, Berkshire will deem your specialty to be your occupation. Therefore, if solely due to sickness or injury, you are unable to perform the material and substantial duties of an anesthesiologist, Berkshire will consider you totally disabled, even if you are at work in some other capacity. This type of coverage is what is referred to as pure own-occupation, and ProVider Plus disability insurance offers anesthesiologists pure own-occupation disability insurance to age 65 or age 67.

You can purchase up to $15,000 a month with Berkshire, for a total benefit up to $20,000 combined between all carriers.

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What is a Residual Benefit?

Residual disability means that you are at work and are not totally disabled, but because of sickness or injury you have suffered an income loss of at least 15% of your prior income. There are two variations of this rider within the disability insurance market today. With Berkshire's residual disability rider, you have a recovery benefit for up to the entire benefit period. Berkshire does not require a loss of time or duties to pay a residual claim, and will keep paying residual benefits even after you have returned to work full time as long as you suffer a loss of income of at least 15% due to your disability, not just until you physically recover. Most of our competitors require a loss of time or duties to pay a residual claim, so once you are back to work the best you could hope for would be a small recovery benefit which may be capped at 6 months. Berkshire has an unlimited recovery benefit for the entire benefit period of the contract.

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Why Anesthesiologists Choose Guardian and Berkshire

As an anesthesiologist, ProVider Plus disability insurance from Berkshire or Guardian does an excellent job of protecting you, and more importantly your income. The two most important policy advantages in the ProVider Plus policy are the medical specialty language in the definition of total disability, and the residual disability rider offering a recovery for up to the entire benefit period. There are some carriers offering own-occupation, but the combination of the recovery benefits with the medical specialty own-occupation protection makes Berkshire one of the best choices for an anesthesiologist.

Berkshire Life was the number one writer of individual Non-Cancellable disability insurance in 2009 nationwide*, and has really become the leader in the market. Our agents are licensed in every state of the United States, and are ready to work with you to help you secure a ProVider Plus disability insurance policy today. You can get a quote by calling our office toll free at (888) 513-2300 or requesting a disability insurance quote on-line. We know you are busy, our goal is to help you buy a policy quickly and easily.

*2009 LIMRA International U.S. Individual Disability Income Insurance Annual Review, Report Based on Annual Premium.