ENT Physician Disability Insurance

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Why Guardian Disability Insurance for ENTs?

There are few companies that offer an ENT a pure own-occupation disability insurance policy to age 65 or 67. Guardian is one of those companies that will not limit the amount of time you can get own-occupation coverage; it is for the entire benefit period. Guardian also offers you the option of adding a graded lifetime extension benefit extending the benefit period for life instead of just to age 65 or 67. The ProVider Plus disability insurance policy does not have any limitations for mental or nervous disabilities like many of our competitors do for physicians (exception in FL & CA), even if your specialty is surgery. While that alone should be enough to choose a Guardian disability insurance policy as a Head and Neck surgeon, the true power in this policy is in the residual disability rider. Guardian's ProVider Plus disability insurance policy is the only contract on the market for an ENT that offers pure own-occupation coverage to age 65 or 67 with medical specialty language, an optional graded lifetime benefit rider, and a residual disability rider that can provide a recovery benefit for the entire benefit period.

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The residual disability rider does not require a loss of time or duties to pay a claim, which means Guardian's policy does not need to have a specific time frame in which they will pay recovery benefits like many of our competitors. The Residual rider will pay benefits for as long as there is at least a 15% income loss due to a claim, even if you are back to work full time trying to rebuild your practice. You are buying disability insurance to protect your income and lifestyle, and the Residual rider offered by Guardian truly offers the most comprehensive residual protection in the market today.