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We are an agency that spends a lot of time working with physicians to obtain
own-occupation disability insurance coverage, and a pathologist is no exception.
As you very well know, many diseases are no longer an automatic death sentence.
People are now living with a long term disability instead of passing away. Cancer
is just one example of a disease that used to be a death sentence, which today
may lead to an extended disability. So as medical advances help people to fight
disease, the morbidity rates for disability insurance increase. As you can see,
as medical technology becomes more advanced, the need for disability insurance
becomes even greater. As a pathologist, you also know that disease does not
discriminate among occupations, a dreaded disease can hit a pathologist the
same way it will hit a carpenter. There is no solid reason for anybody to not
have their own disability insurance contract with the possible exception of
being independantly wealthy, and the need for disability insurance is greater
today than it was yesterday.
Important Factors
Every physician with Berkshire is classified as occupational class 4, 4P, or
3. A class 4 is the highest, and best, occupational class that a doctor can
have with Berkshire Life Insurance Company of America. A pathologist falls within
our class 4, which means that you receive the lowest rate of any doctor with
Berkshire. It also means that you get the most comprehensive definition of total
disability that Berkshire offers. The definition of total disability is pure
own-occupation to age 65, which means that because of sickness or injury, you
are unable to perform the material and substantial duties of your occupation.
Berkshire will consider you totally disabled even if you are at work in some
other capacity so long as you are not able to work in your occupation.
Get a Quote Now!
As a pathologist we don't have to tell you that a disease doesn't care what
you do for a living, we're not going to insult your intelligence like that.
We do have to help people in other occupations understand this fact. There are
however a few common disabilities that people in your occupation are at risk
for which you may not have thought about. Back problems can easily keep you
from performing the material and substantial duties of your occupation, if you
are not able to sit down and look into a microscope, you can't perform your
occupation very well. On top of disease and back problems you have to be concerned
about your eye sight, lab accidents, and exposure.
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.
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