As a leading provider of individual disability insurance (DI) for physicians, we understand your unique needs when it comes to income protection. That knowledge shaped the development of a special disability policy just for physicians that is raising the bar for what you can expect when it comes to DI.
True own-occupation protection
Our Enhanced True Own-Occupation protection1 just for physicians and doctors of osteopathy starts with our strong True Own-Occupation Definition of Total Disability. If totally disabled, you’re able to receive your full disability benefits even if you’re gainfully employed in another occupation or capacity. And, while totally disabled in your own occupation, there may be instances where you can even work in your own business or practice and still collect your full disability benefit.
Plus more ways to qualify for benefits
Then, we add a straightforward, easy-to-understand formula to qualify for benefits. It’s based on your source of earnings and provides more ways to qualify for benefits. We’ll consider you totally disabled if more than 50% of your income is from
Hands-on patient care and, solely because of injury or illness, you can no longer perform hands-on patient care; or
Performing surgical procedures and, solely because of injury or illness, you can no longer perform surgical procedures.
That’s not all. If you don’t qualify for benefits under the source-of-earnings formula above, then we’ll look at your key duties, including those you were performing in your medical specialty at the time your disability began, to assess whether or not you qualify. Because we evaluate your situation from multiple perspectives, we give you more ways to qualify for total disability benefits.
This special DI protection is a game-changer for physicians.
We “get” physicians
Listening to thousands of physicians, both those who are customers and those who aren’t, has given us a deeper understanding of what you need now as well as for the years ahead. These insights led to our being the first individual DI carrier to offer Student Loan protection and the option for an added lump sum benefit at age 60. Our exclusive Enhanced True Own-Occupation Definition of Disability just for physicians is but the latest example of what’s made us a “go-to” company for physician DI. You’ll appreciate our:
Surgeons (except for Orthopedic Surgeons and Oral Surgeons)
Track record of strength and stability Award-winning service
DALBAR Insurance Service Award (2015, 2016, 2017, 2018, 2019)
1 Not available for policies with a Graded Lifetime Rider or that do not include a partial disability rider.
2 Endocrinologists, Gastroenterologists, Geriatricians, Hematologists, Oncologists, and Nephrologists are eligible for a higher occupation class instead of a discount.
Individual disability Policy Forms 18ID and 18UD underwritten and issued by Berkshire Life Insurance Company of America (BLICOA), Pittsfield, MA. BLICOA is a wholly-owned stock subsidiary of and administrator for The Guardian Life Insurance Company of America, New York, NY. Optional riders are available for an additional premium. Product provisions and availability may vary by state. In New York: These policies provide disability insurance only. They do not provide basic hospital, basic medical, or major medical insurance as defined by the New York State Insurance Department. For policy form 18ID, the expected benefit ratio is 50%. For policy forms 18UD, and 18UD-F, the expected benefit ratio is 60%. The expected benefit ratio is the portion of future premiums that the company expects to return as benefits when averaged over all people with these policy forms. Guardian® is a registered trademark of The Guardian Life Insurance Company of America.