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Pure Own-Occupation Disability Insurance for Surgeons

Guardian offers surgeons a disability insurance product with a pure own-occupation definition of total disability to age 65. They are one of extremely few to not only offer own-occ for the entire benefit period, but they go a step further by offering medical specialty language protection. The ProVider Plus contract states, "If your occupation is limited to a single medical specialty recognized by the American Board of Medical Specialties, we will deem your specialty to be your occupation." That is not Guardian's only competitive advantage, they also offer an X45 graded lifetime benefit period, and a residual disability rider that is top of the line.

You have done a lot of training to become a surgeon, this disability insurance product protects you as a surgeon. If you can no longer perform surgery because of a sickness or injury, this policy will pay you a total monthly benefit up to $12,500 a month tax-free. They will continue to pay you this benefit for as long as you are disabled, even if you are able to work in some other capacity. It truly protects your medical specialty, even if you made more money doing something else.

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Guardian's True Competitive Advantage

While the pure own-occupation definition of total disability with medical specialty language is probably the number one reason so many surgeon's turn to Guardian for their disability insurance protection, the X45 graded lifetime benefit period and the residual disability rider are almost equally as important.

The X45 graded lifetime extension benefit offers one of the longest benefit periods in the industry. While many carriers offer benefit to age 65, Guardian also offers you the ability to receive your monthly benefit for the rest of your life so long as you remain disabled. When you review a disability insurance quote from our agency, you will see on the alternate benefits page the option to have the graded lifetime benefit instead of benefits ending at 65. The price is generally not much more to extend benefits for the rest of your life, and it is a key advantage to Guardian's product.

The residual disability rider found in the ProVider Plus policy is also one of the best available today. You may end up totally disabled, but many claims start or end with a residual claim. If you can still perform the material and substantial duties of your medical specialty, but have an income loss of 20% or more because of a sickness or injury, you can collect residual disability benefits. Most of our competitors also require a loss of time or duties to pay a residual claim, Guardian only requires a loss of income. This allows Guardian to pay an unlimited recovery benefit, where most competitors stop residual payments once you are back to work full time. This means ProVider Plus pays you until you financially recover from a disability, not just until you physically recover.

Request A Disability Insurance Quote
Toll Free 888-513-2300