The Definition of Total Disability is the core of any disability income policy because it is the key to determining your eligibility for benefits. Guardian's1 True Own-Occupation Definition of Total Disability provides you the ability to receive your full disability benefits, even if you’re gainfully employed in another occupation or capacity — with no reduction in benefits. So, if you have the energy, interest, and motivation to pursue another occupation while totally disabled in your occupation, their True Own-Occupation definition does not prevent you from doing so.
If you are a dentist who has limited your occupation to the performance of a single dental specialty, they will consider that specialty to be your occupation.
One of the benefits of working with an agency that specializes in disability insurance is we keep an extensive database of every available discount in every state. We cannot say that every client is going to have a discount available to them, but we can say that we do know how to obtain every discount possible. Our goal is to get you the best coverage possible, at the lowest rate. The disability insurance calculator on this page does not include available discounts, but your agent will update you with any that he finds.
Many dentists buy their disability income insurance at the end of medical school, or during their residency. Guardian offers the Student Loan Protection Rider to reimburse you for student loan payments made during a claim. Your normal policy benefits should not have to go towards paying off your student loans during a claim, this inexpensive rider makes sure that doesn't happen.
There is one aspect to the Enhanced Partial Disability Benefit Rider that we believe is vital, and even more important to dentists. Guardian1 does not require a "loss of time or duties" to pay partial benefits, most of our top competitors do. This means you will be paid until you financially recover, not just until you physically recover. When you are on a claim for an extended period of time your patients are going to go somewhere else, and if you recover from your illness or accident a year later it is going to take quite a bit of time to rebuild your practice. Even though you are physically recovered, Guardian will continue to pay you until your income loss is less than 15% for up to the entire benefit period.
1Individual disability income products underwritten and issued by Berkshire Life Insurance Company of America (BLICOA), Pittsfield, MA. BLICOA is a wholly owned stock subsidiary of The Guardian Life Insurance Company of America (Guardian), New York, NY. Product provisions and availability may vary by state.