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Disability Insurance for Ophthalmologists

Ophthalmologists invest a tremendous amount of time and money to practice their medical specialty. Like other highly technical physicians, they need highly specialized disability insurance to protect their income.

Our disability insurance specialists each have over 15 years experience working with ophthalmologists to design the best possible income protection coverage. With each client, we recommend the following benefits:

Enhanced True Own Occupation

As a surgical ophthalmologist, this is the most important aspect of your disability insurance policy. It provides more ways for you to be paid than any other type of policy, and has particular benefits for those with surgical duties.

If, due to accident or illness, you are unable to the material and substantial duties of your occupation as an ophthalmologist, you will be considered totally disabled, even if you're able to do some other occupation or medial specialty. The "enhanced" part of the policy then adds:

  • You will be considered 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
  • If more than 50% of your income is from performing surgical procedures and, solely because of injury or illness, you can no longer perform surgical procedures This new type of disability insurance policy allows you to be considered totally disabled and receive full benefits in situations where you can not perform the surgical aspects of your occupation, but can still perform the non-surgical duties.


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Enhanced Partial Disability Benefits

All disabilities are not total. Many are partial in nature. A basic partial disability benefit is payable when you're able to work in your own occupation, but have a loss of income (usually 20%), as well as a loss of time or duties. A loss of time or duties simply means you're working part time or doing fewer of the things you used to do before you were disabled. A monthly benefit proportionate to your loss of income is then payable.

An enhanced version of the partial disability rider means that more benefits gets paid sooner and longer.

  • Benefits paid sooner - Benefits are payable when due solely to sickness or injury, there is a loss of income of at least 15%.
  • More benefits payable - For the first 12 months, the benefit is equal to the actual loss of income, up to 100% of your monthly benefit, with a minimum benefit of 50% of your monthly benefit. ("Basic partial" would pay a proportionate benefit with a minimum of 50% of the monthly benefit for the first six months.) After 12 months, benefits are paid in proportion to your income loss. If the loss of income is more than 75% of your prior income in any month, we consider the loss to be 100%.
  • Benefits payable longer - Even after you fully recover and return to work full time, benefits continue to be paid, as long as you have a loss of income of at least 15% of your prior income, and the loss is solely the result of the injury or illness that caused the disability.

Other Benefits Worth Considering

While the enhanced true own occupation and partial disability benefits are recommended for each ophthalmologist, there are a number of other optional features that should be considered.

  • Future increase option
  • Cost of Living Adjustment
  • Retirement Protection
  • Student Loan payment coverage

2019-75973 Exp. 3/12/21

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