Disability Insurance for Otolaryngologists
 As an otolaryngologist you have a defined medical specialty recognized by the American Board of Medical Specialties. You need to have a top tier disability insurance policy that recognizes your specific medical specialty, and will pay you a total disability insurance benefit if you are unable to perform the material and substantial duties of an Ear, Nose and Throat Physician. Guardian's ProVider Plus disability insurance policy will pay you a total monthly benefit, even if you are able to work in some other capacity during your claim.
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A Disability Insurance Quote Now
Call 888-513-2300
Why Guardian Disability Insurance for ENT's?
 There are few companies that offer an ENT a pure own-occupation disability insurance policy to age 65. Guardian is one of those companies that will not limit the amount of time you can get medical specialty own-occupation, 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. 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), 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 to age 65 with medical specialty language, no restrictions for mental or nervous disabilities, an optional graded lifetime benefit period, and a residual disability rider that can be an unlimited recovery benefit for the entire benefit period.
Request
A Disability Insurance Quote Now
Call 888-513-2300
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 they will pay recovery benefits like many of our competitors do. The Residual rider will pay benefits for as long as their is an income loss do 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, the Residual rider offered by Guardian truly offers the most comprehensive residual protection in the market today.
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