Disability insurance for surgeons

One of the primary areas a surgeon should consider in a disability insurance policy is a true own occupation definition of total disability. What does an "own occupation" definition of disability mean? Simply stated, it is defined by one major disabiity insurance company for a surgeon that if you have an injury or illness, you will be considered totally disabled if you are unable to perform the material and substantial duties of your occupation, even if you are at work in some other capacity for the first five years of a claim. With this same disability insurance company, after five years in a specific claim, the definition of total disability changes to a modified own-occupation contract. While under the modified own occupation definition (after 5 years) the insurance company can not make you return to work in another occupation but if you do choose to go back to work in another occupation then the benefit may become pro-rata to your earnings (a residual benefit). This is one of the disability insurance companies that Protectyourincome.com recommends for many reasons beside the definition of disability, some of which are strong financials and other important provisions in the policy including how you're paid during recovery when and if you return to work. Another further amplification of the definition of disability can be as follows, again as stated by this same major company: "If your occupation is limited to a single medical specialty certified by the American Board of Medical Specialties we will deem your specialty to be your occupation." Learn more and get your questions answered regarding this vital subject at protectyourincome.com or call toll free to 866-691-0100.