INCOME PROTECTION THAT’S ALL ABOUT YOU

A DEFINITION JUST FOR PHYSICIANS

This is some of the strongest, most flexible protection a physician can get—it's not available anywhere else in the industry!

Our enhanced definition starts with our strong True Own-Occupation Definition of Total Disability. If totally disabled, it gives a physician the flexibility to be gainfully employed, sometimes even in their own practice, and still receive total disability benefits. Then, we add a straightforward, easy-to-understand formula to qualify for benefits. It’s based on your earnings source and provides more ways to qualify for total disability 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.

If you have limited your occupation to the performance of the material and substantial duties of a single medical specialty, we will deem that specialty to be your occupation. Suppose you don’t qualify for benefits under the source-of-earnings formula above. In that case, we’ll look at your key duties, including those you performed in your medical specialty when your disability began, to assess whether you qualify.

GUARDIAN’S STRONG BASE DISABILITY POLICY

Five-Year Waiver of Elimination Period

• This feature is not offered anywhere else!
• If you suffer a disability that lasts more than six months and we pay benefits, we’ll waive the elimination period for any subsequent disability of 30 days or more that occurs within five years, regardless of the cause.

Exclusive Waiver of Premium

• We’ll waive any premiums due while you’re disabled and receiving benefits. And unlike most other insurance companies, we’ll continue to waive them for six months after you recover and benefits end.

Presumptive Total Disability Benefit

• This is designed to protect against severe disabilities, such as the total and complete loss of hearing, speech, or sight in both eyes or the use of any two limbs. We would consider you to be totally disabled and waive the elimination period even if you’re still able to work. Unlike most other insurance companies, our Presumptive Total Disability Benefit is payable even if the loss is recoverable, meaning that the loss does not have to be permanent for you to qualify.

Other Benefits Included

• Gender Affirmation Procedures Endorsement
• Hospice Care Benefit
• Serious Illness Supplemental Benefit Endorsement
• Occupational Rehabilitation and Modification and Access Benefit Endorsement
• Waiver of Elimination Period for an Act of Violence
• Suspension for Family Medical Leave Endorsement