Why is the Provider Choice Policy the Best Choice for Surgeons?
Guardian1 has been a market leader with disability insurance for surgeons for over twenty years. In the 1990s Guardian was one of the last carriers offering true own-occupation benefits to physicians, and today about half of the business they sell is to physicians. Guardian understands the specific needs of a surgeon, and the Provider Choice policy was designed specifically with physicians in mind. The core of any DI policy is the definition of total disability, and Guardian has one made specifically for you that is not available from any other company.
The Best Own-Occupation Definition for Surgeons
The Enhanced True Own-Occupation protection just for physicians starts with the 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 practice and still collect your full disability benefit.
Plus more ways to qualify for benefits
Then, they 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. They will 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 they will 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 they evaluate your situation from multiple perspectives, they give you more ways to qualify for total disability benefits.