Income protection coverage just for physicians



We work with the leading provider of long term disability insurance for physicians.  You have unique needs when it comes to income protection, which shaped the development of special disability coverage.

You can expect:

TRUE OWN-OCCUPATION PROTECTION

Enhanced True Own-Occupation protection just for physicians and doctors of osteopathy starts with a 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 business or practice and still collect your full disability benefit.

PLUS MORE WAYS TO QUALIFY FOR BENEFITS

A straightforward, easy-to-understand formula to qualify for benefits is based on your source of earnings and provides more ways to qualify for benefits. You’re 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
  • 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, your key duties are considered, including those you were performing in your medical specialty at the time your disability began, to assess whether or not you qualify. Because your situation is evaluated from multiple perspectives, there are more ways to qualify for total disability benefits.

THIS SPECIAL PROTECTION IS A GAME CHANGER FOR PHYSICIANS.

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Alum LTD is a program name created by the Program Administrator, and not the Guardian Life Insurance Company or its subsidiaries. Individual disability income products are underwritten and issued by Berkshire Life Insurance Company of America (BLICOA), Pittsfield, MA.  BLICOA is a wholly owned stock subsidiary of and administrator for The Guardian Life Insurance Company of America (Guardian), New York, NY or provided by Guardian.  Product provisions and availability may vary by state. Optional riders are available for an additional premium.

Click here to see how three different physicians qualify for total disability benefits.