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 the source of your earnings 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.
