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Ophthalmologist Disability Insurance 
As an ophthalmologist, you have a medical specialty that you can, and should protect with an own-occupation disability insurance policy that contains medical specialty language. There are many companies that offer own-occupation, however only two carriers in today's market have medical specialty language built into the definition of total disability for an ophthalmologist, and Guardian is one of them. Call 888-513-2300
What Makes Guardian Special For Ophthalmologists? The definition of total disability in a DI policy is only one of the major areas you need to evaluate when picking a policy. That definition will determine whether or not your policy offers own-occupation. Like we said earlier, Guardian is one of two current carriers to offer medical specialty language in the definition of total disability. Some carriers may or may not offer you own-occ for the life of the policy depending on whether or not you perform any surgical duties. Guardian offers you own-occ for the entire benefit period to age 65 or age 67 regardless of whether or not you perform any surgical duties. However, that is not the only competitive advantage for your occupation. Guardian is one of very few carriers to offer normal protection for any mental or nervous disability*, where many of the competitors limit protection to two years for any mental or nervous claim. The residual disability rider with Guardian is one of only three carriers to not require a loss of time and duties to pay a residual claim. This allows Guardian to pay a recovery benefit for the entire benefit period if you continue to suffer a loss of income of at least 15% due to your disability after you recovery from a disability. Most of the competition will only pay a recovery benefit for 6-12 months following a claim, whereas Guardian can pay to age 65 or 67 should you never financially recover. Combine the own-occupation definition of total disability with medical specialty language, the residual rider acting as an unlimited recovery benefit, and the mental and nervous protection not offered by competitors, and ProVider Plus may be the most comprehensive level of disability insurance protection an Ophthalmologist can own. Call 888-513-2300
X45 Graded Lifetime Extension Benefit Period One of the best features offered by any insurance company is the graded lifetime extension benefit period. This is the forgotten option when it comes to disability insurance, and Berkshire offers this benefit to ophthalmologists. If you ever became permanently disabled, and unable to bring home your normal income, would you want your benefits to stop at age 65? What will you do for income after age 65? Odds are that you have not been able to fund your retirement plan as well as you had hoped if you have been collecting long term disability payments for several years. Depending upon when a disability began, a graded lifetime benefit period may continue to pay your disability insurance benefits to you for as long as you are still living and disabled. Every day we shock people when we show them that a graded lifetime benefit period is really not much more expensive than a benefit period to age 65.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. Call 888-513-2300
* Except in FL and CA which is limited to 2 years for the life of the policy. |
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| Guardian Disability Insurance Brokerage is a general agency of The Guardian Life Insurance Company of America, NY, NY. "Broker Guided Tour" for broker use only. Steven L. Crawford, CDM © Guardian Disability Insurance Brokerage, 2000. |
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