Guardian Disability Insurance Brokerage works with physicians to help them secure comprehensive own-occupation disability insurance to help protect your medical specialty in the event you are sick or injured and unable to perform the material and substantial duties of your medical specialty. One of the reasons we work with so many cardiologists is Berkshire offers pure own-occupation protection, and is able to offer $10,000 a month on top of another carriers policy allowing many higher income cardiologists to obtain $15,000 a month in total protection.

What is the significance of an own-occupation definition of total disability?

Physicians should always obtain coverage with the longest own-occupation period available. The Berkshire Life Insurance Company offers cardiologists performing both non-invasive and invasive procedures the ability to obtain own-occupation benefits to age 65, or even a graded lifetime benefit period. It is one of the few contracts still offered with this pure own-occupation protection to age 65 regardless of your medical specialty.

The Provider Plus disability insurance policy is one of the best contracts a doctor can own in today's marketplace. You should take the time to compare it's definition of total disability to any other policy you are reviewing.

Request a Quote Today!

As a cardiologist you have quite a few liabilities, and it seems like all you do is pay insurance premiums. Your continued ability to earn an income in your medical specialty may be your most important asset, so take the time to make sure you don't buy a cheap disability insurance policy. You make a nice income, protect it with one of the most comprehensive levels of coverage you possibly can. Insurance carriers limit a physician's individual level of coverage to $10,000 a month, since this most likely does not allow you to maintain your current standard of living, why would you go with a cheap contract when you know it is only $10,000 a month in benefits. You can review Berkshire's competitive advantages in the Provider Plus Brochure.

Our agency can show you ways to obtain individual disability insurance coverage over $10,000 a month if your income is above $275,000 a year. While you can request a quote from our web site and have it emailed to you within a couple hours, if you call our toll free number (888) 513-2300 a disability insurance specialist can provide you with a quote and information immediately.

If you own the practice, or are in a partnership, there are several other key areas which should be addressed in the event of a disability. If you are disabled, are you still responsible for your share of the practice overhead? If you say no, do your partners and employees know this as well? If you are permanently disabled, who will purchase your share of the business, and where will the funds come from? The bottom line is as a business owner there is not just one income to be concerned with, you have to worry about everybody's income in your practice from partners to employees. Our specialists can help you to address these issues, and find an affordable solution for you.

Call Today 1-888-513-2300