Guardian Disability Insurance Brokerage

Disability Insurance for Surgeons

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Own-Occupation Disability Insurance for Surgeons

Guardian offers surgeons a disability insurance product with a pure own-occupation definition of total disability to age 65 or 67. Guardian is one of a few to not only offer own-occupation coverage for the entire benefit period, but to go a step further by offering medical specialty language. The ProVider Plus policy is one of only two in the industry to have medical specialty language built into the definition of total disability. That is not Guardian's only competitive advantage, they also offer a graded lifetime indemnity for total disability rider, and a residual disability rider that is top of the line.

You have done a lot of training to become a surgeon and this disability insurance product protects you as a surgeon. If you have limited your occupation to surgery and can no longer perform surgery because of a sickness or injury, this policy will pay you a total monthly benefit up to $15,000 a month tax-free. You will be paid this benefit for as long as you are disabled, even if you are able to work in some other capacity. The policy protects you in your own occupation, even if you earn an income doing something else.

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Guardian's True Competitive Advantage

While the pure own-occupation definition of total disability with medical specialty language is probably the number one reason so many surgeons turn to Guardian for their disability insurance protection, the graded lifetime extension benefit rider and the residual disability rider are almost equally as important.

While many carriers offer benefit to age 65 or 67, Guardian also offers you the ability to receive your monthly benefit for the rest of your life so long as you remain permanently disabled if you have the graded lifetime indemnity for total disability rider. When you review a disability insurance quote from our agency, you will see on the alternate benefits page the option to have the graded lifetime benefit instead of benefits ending at 65 or 67.

The residual disability rider found in the ProVider Plus policy is also one of the most comprehensive available today. You may end up totally disabled, but many claims start or end with a residual claim. If you can still perform the material and substantial duties of your medical specialty, but have an income loss of 15% or more because of a sickness or injury, you can collect residual disability benefits. Most of Guardian's competitors also require a loss of time or duties to pay a residual claim, Guardian only requires a loss of income. This allows Guardian to pay a recovery benefit for up to the entire benefit period, where most competitors stop residual payments once you are back to work full time. This means ProVider Plus pays you until you financially recover from a disability, not just until you physically recover.

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The #1 issuer of non-cancellable disability insurance according to 2009 LIMRA U.S. Individual Disability Income Insurance Annual Review report, based on annualized premium.