Cardiologist Disability Insurance

Guardian Disability Insurance Brokerage works with physicians to help secure comprehensive own-occupation disability insurance with medical specialty protection. A cardiologist can secure up to $15,000 a month in coverage with Guardian, for a maximum of $20,000 a month between all carriers.

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

A cardiologist should always obtain coverage with the longest own-occupation period available. Berkshire Life Insurance Company offers cardiologists performing both non-invasive and invasive procedures the ability to obtain own-occupation benefits to age 65 or age 67, or even a graded lifetime benefit. This policy just may be the most comprehensive DI policy available to your medical specialty. There are no restrictions on mental or nervous benefits unless you live in Florida or California, it is one of very few carriers to have medical specialty language built into the definition of total disability, and still offers a graded lifetime indemnity benefit rider. The best part of the policy in our opinion just may be the ability to have a recovery benefit for the entire benefit period through the residual disability rider.

The Provider Plus disability insurance policy is one of the best contracts a cardiologist can own in today's marketplace.

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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. 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 $15,000 a month. We can help you combine policies with two carriers to secure up to $20,000 a month of individual DI. We can also write coverage for retirement contributions, bringing your total disability insurance protection above $20,000 per month if you want it. 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 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,

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