Disability Insurance for Surgeons
Berkshire offers one of the most competitive disability insurance contracts available for surgeons. Surgeons can get up to $20,000 a month1 of true own-occupation disability insurance.
You have spent a lot of time and money to become a surgeon, so it would be our recommendation to protect your income with the most comprehensive disability insurance policy available today. It is our belief that Berkshire's Provider Choice policy is the most comprehensive DI product on the market. It was designed to pay the most claims dollars in the most possible claims scenarios.
See How Surgeons Buy Disability Insurance
When you use the quote request tool on this page, you will get an instant quote. This quote actually shows you the average rate all of our surgeon clients are paying for their in-force policies right now.
The other resource on this page shows you exactly how your peer group sets up their policies. You will be able to see how every other surgeon with your exact age and income bought a policy from us, the average monthly benefit purchased, which optional riders they chose, what elimination and benefit period they chose, and more. We take all of the guesswork out of the buying process for you.
Berkshire's True Competitive Advantage
While the true own-occupation definition of total disability is probably the number one reason so many surgeons turn to Berkshire for their disability insurance protection, the Enhanced Partial Disability Rider is almost equally as important.
The Enhanced Partial Disability Rider available with the Provider Choice policy is also one of the most comprehensive riders available today. You may end up totally disabled, but many claims start or end with a partial claim. If you can still perform the material and substantial duties of your medical specialty, but have an income loss of 15% or more because of a sickness or injury, you will be eligible for partial disability benefits. Most of Berkshire's competitors also require a loss of time or duties to pay a partial claim, Provider Choice's Enhanced Partial Disability Rider only requires a loss of income.
The Enhanced Partial Disability Rider also includes a recovery provision that continues to pay benefits for up to the full benefit period should you continue to suffer at least a 15% loss of income solely due to your injury or sickness, where most competitors stop partial payments once you are back to work full time. This means Provider Choice is designed to do more to assist with your financial recovery even after you have physically recovered.
1. $20,000 a month available in all states except for California when maximum is $16,000. *Provider Choice is not available in CA.