Guardian Disability Insurance Brokerage

True Own-Occupation Disability Insurance For Physicians
by Jack Le

Disability insurance is one of the most important types of insurance a responsible person can purchase to protect their flow of income in case of a long-term sickness or if injury strikes. When looking into a disability insurance policy, be sure that you are looking into a true own-occupation disability insurance policy.

A true own-occupation disability insurance policy defines total disability as:
Total Disability or Totally Disabled means that, solely due to Injury or Sickness, You are not able to perform the material and substantial duties of Your Occupation. You will be Totally Disabled even if You are Gainfully Employed in another occupation so long as, solely due to Injury or Sickness, You are not able to work in Your Occupation. Your Occupation means the occupation (or occupations, if more than one) in which You are Gainfully Employed during the 12 months prior to the time You become Disabled. If You have limited Your Occupation to the performance of the material and substantial duties of a single medical specialty or to a single dental specialty, We will deem that specialty to be Your Occupation.

More than any other occupations, physicians need a true own-occupation disability insurance policy the most.

Physicians have invested a large amount of time and effort into education and training to be able to work in their medical specialty. Protecting the ability to work in that medical specialty is vital. A long term sickness or injury may prevent a physician from working in his/her medical specialty forever. But he/she may still be able to work elsewhere, such as working as a professor or consultant or even a different medical specialty. A true own-occupation disability insurance policy will provide physicians a monthly disability insurance benefit amount until they are able to return back to work in their own occupation. Furthermore, a true own-occupation disability insurance policy will continue to pay a monthly benefit even if the insured is working in some other capacity.

Other types of disability insurance will discontinue the monthly benefits if he/she is gainfully employed elsewhere. Furthermore, some disability insurance policies will consider you disabled only if you become disabled to the point where you cannot work in any occupation. That would be a tough requirement to meet. When shopping for a solid disability insurance policy, be sure that you are looking into a true own-occupation disability insurance policy. And a true own-occupation disability insurance policy from Guardian is the best one in the market today.

You can read this brochure to learn more about the true own-occupation coverage provided by Berkshire’s ProVider Plus disability insurance policy.


You can request a quote for a true own-occupation disability insurance policy as well. Please note that all information provided will be kept confidential.