Guardian Disability Insurance Brokerage

Disability Insurance for Optometrists

Disability Insurance Quote Gender: View All Male Female Age: View All 25-30 31-35 36-40 41-45 46-50 51-55 Monthly Benefit Amount: View All $0-$1,000 - (Income needed: $ 18,000) $1,000-$2,000 - (Income needed: $ 34,000) $2,000-$3,000 - (Income needed: $ 52,500) $3,000-$4,000 - (Income needed: $ 75,000) $4,000-$5,000 - (Income needed: $100,000) $5,000-$6,000 - (Income needed: $124,500) $6,000-$7,000 - (Income needed: $148,500) $7,000-$8,000 - (Income needed: $171,500) $8,000-$9,000 - (Income needed: $196,500) $9,000-$10,000 - (Income needed: $220,000) $10,000-$11,000 - (Income needed: $243,500) $11,000-$12,000 - (Income needed: $266,500) $12,000-$13,000 - (Income needed: $290,000) $13,000-$14,000 - (Income needed: $312,500) $14,000-$15,000 - (Income needed: $348,000) $15,000-$16,000 - (Income needed: $408,000) $16,000-$17,000 - (Income needed: $475,000) Our agents have 177 Optometrist Clients

You spend your day with first hand knowledge of vision problems and eye diseases. You see many people on a daily basis with cataracts, age related macular degeneration, diabetic eye diseases, and glaucoma. We're not going to spend time here trying to explain the need for individual disability insurance to you. If you experienced some of these diseases yourself, your ability to continue to earn an income could be inhibited.

ProVider Plus is an individual disability insurance product that is very comprehensive for an optometrist. Every disability insurance policy uses an occupational class system, which is one factor that determines your rate, and with Guardian's product offering an optometrist has the absolute best occupational class available, a 6M. You pay the lowest rate possible for a disability insurance policy offered by Guardian. If you are a member of a local optometric association that endorses Guardian, your rate can be even lower. Our agency will help you to identify every possible discount available to you, to reduce an already low rate.

Most Common Optional Riders1 for Optometrist Clients Based Upon the Age, Gender, & Benefit Amount Selected Above 1. Residual Disability Benefit Rider This rider provides a benefit when solely due to sickness or injury‚ you suffer a loss of 15% or more of your income. There is no loss of time or duties requirement. This rider also has a recovery provision whereby‚ if you recover and return to work but still suffer a loss of income of at least 15% of your prior income‚ you will continue to be eligible for this benefit for the full duration of the benefit period. Most agents feel this is a must have rider on every policy. 90.65% 2. Future Increase Option Rider This option allows consumers the ability to obtain additional disability coverage in the future regardless of any adverse changes in their health. Many people believe that their incomes will continue to rise over the years‚ and this rider allows you to buy more disability insurance coverage in the future each year on the policy's anniversary up to and including age 55. The rider also includes special option dates that allow off-anniversary increases for events such as the loss of group long term disability coverage. While medical information is not required when exercising this option‚ applications to exercise this option will be financially underwritten taking into consideration both current income and all other disability insurance in force for the insured has applied or is eligible to receive. 67.63% 3. 3% Compound Cost of Living Adjustment (COLA) Rider2 Cost of Living Adjustment rider will increase your total monthly benefit every month you are on claim up to 3% after you have been disabled for 12 months. 48.20% 4. 4-Year Delayed COLA Rider2 This Cost of Living Adjustment (COLA) rider will help to increase benefits during a claim. The 4-Year Delayed option is less expensive than a normal 3% COLA rider because you are essentially self insuring the first 4 years of COLA increases during a claim. 23.02% 5. Catastrophic Disability Benefit Rider This rider provides additional benefits to you should the disability be so severe that is causes you to be unable to perform 2 or more of the Activities of Daily Living including: bathing‚ dressing‚ eating‚ transferring‚ toileting‚ or continence or you suffer a cognitive impairment requiring substantial supervision. 16.55% 6. Automatic Benefit Enhancement Rider This rider is at no cost‚ and will increase your monthly benefits by 4% every year for six years‚ with no proof of income. While the rider itself is provided at no cost‚ additional premiums are required... for coverage added by the rider. 15.11% 7. Social Insurance Substitute Rider This is a monthly benefit that coordinates with payments received from the Social Security Administration ('SSA') for a disability‚ as well as other similar government programs. If you receive Social Security Disability Insurance‚ the insurance company will reduce the amount of benefits payable under this rider dollar for dollar from $200 to $1‚500 . This rider is often purchased to reduce the total cost of coverage‚ while helping assure an adequate level of disability protection. 3.60% 8. Basic Residual Disability Benefit Rider Sometimes an illness or injury doesn't cause a total disability but does limit your ability to work‚ which results in decreased income. Or‚ you might suffer a total disability and return to work‚ but not at your pre-disability earnings. The Basic Residual Disability Benefit Rider helps offset your disability-related earnings. This feature provides benefits when‚ solely due to injury or sickness‚ you suffer a loss of income of 20% or more and you can perform one or more‚ but not all‚ of the material and substantial duties of your occupation‚ or you can perform them all‚ but not for the length of time they normally require. 3.60% 9. Basic COLA 3 2.88% 10. Unemployment Waiver of Premium Rider An inexpensive rider that waives the premiums for your DI policy for up to one year should you be on unemployment and receive unemployment compensation for at least 60 consecutive days. 2.88%

Disability Insurance Quotes Call 888-513-2300

The ProVider Plus disability insurance policy offers you a true own-occupation definition of total disability to age 65 or 67. This protects you if solely due to sickness or injury you are unable to perform the material and substantial duties of your occupation, even if you could work in some other occupation. You have spent many years training for your occupation as an optometrist, and this policy will pay you a total disability benefit for up to the entire benefit period even if you could work in some other capacity. It is quite simply, some of the most comprehensive level of disability insurance protection you can own in your occupation.

While Guardian does offer the best definition of total disability available, it is not the only feature that makes buying a policy from Guardian an excellent choice for you. The Residual Disability Benefit Rider available with the ProVider Plus does not require a loss of time or duties to pay a claim. This rider also includes a built-in recovery provision that may consider you residually disabled for the full benefit period as long as there is a 15% loss of income due to injury or sickness, which just may be the most important area of a DI policy. The competition requires a 20% loss of income, any some require a loss of time and duties as well. This allows ProVider Plus to pay earlier, and longer than the competition.

This is one of the most comprehensive levels of disability insurance protection an optometrist can own, and with the occupational class 6M rates, it is an excellent choice for you. Call our office toll free at 888-513-2300 to discuss a proposal with one of our disability insurance specialists today.