Optometrist Disability Insurance

You spend your day with first hand knowledge of vision problems and eye diseases. You see many people on a daily basis with cataracts, age related macular degeneration, diabetic eye diseases, and glaucoma. We're not going to spend time here trying to explain the need for individual disability insurance to you. If you experienced some of these diseases yourself, your ability to continue to earn an income could be inhibited.

ProVider Plus is a disability insurance product that is almost perfect for an optometrist. Every DI policy uses an occupational class system, which is one factor that determines your rate, and with Guardian an optometrist has the absolute best occupational class offered at 6M. You pay the lowest rate possible for a Guardian disability insurance policy because of your specialty. If you are a member of a local optometric association that endorses Guardian, your rate can be even lower. Our agency will help you to identify every possible discount available to you, to reduce an already low rate.

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Guardian's ProVider Plus disability insurance policy offers you a pure own-occupation definition of total disability to age 65 or 67. This protects you if you are disabled and cannot perform the material and substantial duties of your medical specialty, even if you could work in some other capacity during the disability. You have spent many years training for your occupation as an optometrist, and this policy will pay you a total disability benefit for the entire benefit period even if you could work in some other capacity. It is quite simply, the most comprehensive level of disability insurance protection you can own in your occupation.

While Guardian does have the best definition of total disability available, it is not the only feature that makes buying a policy from Guardian an excellent choice for you. The residual disability rider offered in the ProVider Plus does not require a loss of time or duties to pay a claim. This allows the residual rider to pay a recovery benefit during a claim as long as their is a 15% loss of income from your prior income, which just may be the most important area of a DI policy. You are buying this to protect your income, and Guardian is one of only three companies to offer recovery benefits for the entire benefit period during a claim.

We believe this to be the most comprehensive level of disability insurance protection an optometrist can own, and with the occupational class 6M rates, it is an excellent choice for you. Call our office toll free at 888-513-2300 to discuss a proposal with one of our disability insurance specialists today.