Do we really need to tell you that accidents happen to everybody, and they
don't discriminate by occupation? Do we need to remind you that an unexpected
diagnosis of a dreaded disease can and does happen to people whether or not
they are a plumber or a physician? You see this every day in the ER, and as
an emergency medicine physician you must take steps to ensure that should something happen to
you which prevents you from performing the material and substantial duties of
an emergency medicine physician, that you will continue to have an income to
support your family.
Request A Disability Insurance Quote
Call Toll Free 1-888-513-2300
A Unique Policy For Emergency Medicine Physicians
Guardian offers one of the best individual disability insurance contracts in the industry for your medical specialty. That's really what it is all about, protecting your medical specialty as an emergency medicine physician. The ProVider Plus disability insurance policy offers ER Physicians a pure own-occupation definition of total disability for the entire benefit period. It also goes one step further than many of our competitors by offering medical specialty specific language in the definition of total disability. The contract states, "If your occupation is limited to a single medical specialty recognized by the American Board of Medical Specialties...we will deem your specialty to be your occupation."
Request A Disability Insurance Quote
Call Toll Free 1-888-513-2300
The X45 Graded Lifetime Benefit Advantage
One of the unique advantages to the ProVider Plus disability insurance policy for an emergency medicine physician is the ability to have an X45 graded lifetime benefit period. While most disability insurance carriers offer benefits to age 65 or to age 67 only, Guardian also offers an option that would pay benefits for as long as you were disabled and still living. Should you only want benefits to age 65 we can do that, however once you review a proposal and see the nominal cost difference between benefits to age 65 and an X45 graded lifetime benefit period you just may choose to have the later. Utilizing this longer benefit period allows you to have a pure own-occupation disability policy with one of the longest benefit periods available anywhere.
Other Policy Benefits for ER Physicians
On top of a pure own-occupation policy with medical specialty protection, and the X45 graded lifetime extension benefit, the ProVider Plus has what we believe to be the best residual disability rider benefits in the industry. There are really two main ways you can collect on a policy, you will be totally disabled or residually disabled. If you can still do the material and substantial duties of your medical specialty, but have an income loss of 20% or more, then you would be eligible for a residual claim. Most of our competitors require a loss of time and duties along with the loss of income to pay residual benefits. Guardian does not require a loss of time or duties to pay residual claims, therefore the residual rider acts as an unlimited recovery benefit. The ProVider Plus is the contract designed to make sure you financially recover from a disability, it doesn't stop once you have physically recovered.
Request A Disability Insurance Quote
Call Toll Free 1-888-513-2300
Contact Our Agency
Thank you for taking the time to review our web site, if you would like to speak
to a disability insurance specialist please call our office today. The toll
free phone number is 888-513-2300, or you can request
a quote which will be completed for you within the same business
day. We also offer an instant live
chat support service.
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