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Best Disability Insurance for Resident Physicians

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Best Disability Insurance for Resident Physicians

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InsuranceMD – One of the best disability insurance companies for physicians. We serve disability insurance for Resident Physicians, Doctors, and Surgeon etc. To know more visit https://insurancemd.com/

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InsuranceMD | Own Specialty Disability Insurance and Life Insurance for Doctors and Dentists

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What types of disability insurance should you avoid if you're a Physician or Dentist?

Transitional Own Occupation: Physicians should avoid disability policies that contain a definition for Total Disability described as Transitional Own Occupation. This type of coverage pays your benefits even if you choose to work somewhere else however the disability benefit you receive will take into account your earnings from your new job and your disability benefits will be reduced as you earn income. The ability to earn an income from another occupation should not reduce your disability benefits from your inability to perform your original medical specialty and therefore a policy that offers a Transitional Own Occupation definition for Total Disability should be avoided.

Own Occupation Not Engaged (Modified Own Occupation): Physicians should also avoid a disability policy that contains a definition for Total Disability known as Not Engaged or Modified Own Occupation. This type of plan will pay your disability benefit if you are disabled from performing the material and substantial duties of your Specialty but it restricts your ability to collect any benefits at all if you choose to work in any other occupation. This type of coverage restricts your ability to continue to earn any income whatsoever while you are claiming benefits from your Specialty and should be avoided.

Any Occupation: Physicians should steer clear of any policy that contains a Total Disability definition that contains "Any Occupation" language. Under this definition of Total Disability, you will only be eligible for your disability benefit if you are unable to work in any occupation for which you may be fit to perform based on your education, training, and experience. Because physicians are some of the best-educated and highly skilled workers there are just too many things for which an insurance carrier offering this type of plan can claim you are fit to perform and this type of plan should be avoided.

Carriers that only offer the above disability plans to physicians and whos coverage should be avoided

American Medical Association (AMA)

All Employer-provided Long Term Disability Plans

Northwestern Mutual

New York Life

Charles Sellers

American College of Obstetricians and Gynecologists (ACOG)

American Academy of Family Practitioners (AAFP)

American College of Surgeons (ACS)

American Academy of Pediatrics (AAP)

American College of Physicians (ACP)

All other Professional Association provided disability benefits

Physicians should only purchase Own Specialty Disability Insurance

Own Specialty Disability Insurance also referred to as Own Occupation Disability Insurance offers a definition of Total Disability that pays your full benefit should you suffer a sickness or injury that prevents you from working in your medical specialty giving you the freedom to elect work in any other occupation while still paying your full tax-free disability benefit regardless of the income you earn in another occupation.

Only Six carriers remain that offer Own Specialty Disability Insurance to Physicians:

Ameritas - Guardian - MassMutual - Ohio National - Principal - The Standard

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Disability Insurance for Physicians to Avoid | InsuranceMD

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Transitional Own Occupation: Physicians should avoid disability policies that contain a definition for Total Disability described as Transitional Own Occupation. This type of coverage pays your benefits even if you choose to work somewhere else however the disability benefit you receive will take into account your earnings from your new job and your disability benefits will be reduced as you earn income.

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Own Occupation Disability Insurance Cost

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Own Occupation Disability Insurance Cost

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Want to know own occupation disability insurance cost? Get own occupation disability insurance quote for Physicians from InsuranceMD. To know more call us today at 800-538-3767

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InsuranceMD | Own Specialty Disability Insurance and Life Insurance for Doctors and Dentists

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Disability Insurance is the first financial stepping stone to protecting your income against the statistical facts that say you have a 1-in-4 chance of suffering a long term disability that results in your inability to work in your medical specialty prior to your age of 65.

Every disability policy outlines the specific degree in which you would have to be disabled in order to qualify for coverage and will be defined within your policy under the definition for "Total Disability."

Disability Insurance policies can differ on their definition of what they consider a total disability and it's imperative that you pay close attention to the language of this definition. Ultimately what you want to have is a policy that provides a definition of "Total Disability" known as "Own Occupation" and sometimes referred to by physicians as "Own Specialty".

Own Occupation Disability Insurance (Specialty Specific or Regular Occupation) offers a definition of "Total Disability" in which you are eligible to receive your "full" benefit if a sickness or injury prevents you from working in your "Regular Occupation." You will still be considered "Totally Disabled" and eligible to receive your "full" benefit if you elect to work in another occupation, regardless of the income you earn.

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Get Own Occupation Disability Insurance Quote at InsuranceMD

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Disability Insurance is the first financial stepping stone to protecting your income against the statistical facts that say you have a 1-in-4 chance of suffering a long term disability that results in your inability to work in your medical specialty prior to your age of 65.

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Get comprehensive disability insurance for doctors and physicians. InsuranceMD helps to find out how much Disability insurance you need. Contact us for disability insurance quotes and find out your eligibility for significant discounts. To find more call us at 800-538-3767

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InsuranceMD | Own Specialty Disability Insurance and Life Insurance for Doctors and Dentists

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Life Insurance Calculator

When buying life insurance people all too often just pick a number that sounds good. One million, two million… But how will our beneficiaries use the money we leave behind and what are going to be their true needs for the next 10, 15, or 20 years.

Complete the form below and our Agents will provide you with the Death Benefit amount you need to cover your family’s needs now and into the future.

A death benefit should be more than just a number that sounds good. Click on the link below and take 5 minutes to complete the form and allow us to help you figure it out.

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How Much Life Insurance Do You Need? | InsuranceMD

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A death benefit should be more than just a number that looks good. Click on the link to complete the form to find out how much life insurance you need.

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Want to know how much Individual own specialty disability insurance you qualify for? Check your monthly benefit eligibility with our disability insurance quote calculator. Call Now!

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InsuranceMD | Own Specialty Disability Insurance and Life Insurance for Doctors and Dentists

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Simply round up to your nearest annual base and bonus income and provide us with the benefit amounts of your existing coverage to see how much Individual Own Specialty Disability Insurance you qualify for

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Disability Insurance Quote Calculator - Check Own Specialty Monthly Benefit Eligibility at InsuranceMD

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Simply round up to your nearest annual base and bonus income and provide us with the benefit amounts of your existing coverage to see how much Individual Own Specialty Disability Insurance you qualify for

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Get free disability insurance quote for physicians. Contact us for disability insurance quotes and find out your eligibility for significant discounts. To find more call us at 800-538-3767

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InsuranceMD | Own Specialty Disability Insurance and Life Insurance for Doctors and Dentists

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Free Own Specialty Disability Insurance Quotes for Physicians

Quoting Process

Complete the Quote request form and schedule a call with an InsuranceMD agent to receive your “True” Own Specialty Disability Insurance Quotes.

Only 7 insurance carriers offer physicians “True” Own Specialty Disability Insurance and we are going to quote all 7 carriers for you to compare side-by-side.

You also may be eligible for significant discounts through your Hospital or professional medical association.

Desired Monthly Benefit

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Disability Insurance Quotes | Get Free Quote for Disability Insurance at InsuranceMD

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Get free disability insurance quote for physicians. Contact us for disability insurance quotes and find out your eligibility for significant discounts. To find more call us at 800-538-3767

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Are you searching for at Physicians Disability Insurance? At InsuranceMD we offer the best Disability insurance for Physicians. Get comprehensive disability insurance for doctors and physicians. Reach out to us at 800-538-3767 to protect your most valuable asset.

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InsuranceMD | Own Specialty Disability Insurance and Life Insurance for Doctors and Dentists

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Physicians Disability Insurance | Best Disability Insurance for Doctors - InsuranceMD

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At InsuranceMD we offer the best disability insurance for doctors. Get comprehensive disability insurance for doctors and physicians. Reach out to us at 800-538-3767 to protect your most valuable asset.