As a physician who takes care of others day in and day out, you understand more than anyone that injury and sickness are not discriminatory; it can happen to anyone at anytime. (One of the many reasons you know the value and vital need of owning a physician disability insurance policy.)
What if something adverse were to hit a little closer to home and affected your loved one? Chances are you would cut back your working hours in order to help take care of them. The Standard is an insurance carrier that recognizes this possibility, and they have a built-in provision in their contracts called the Compassionate Disability Benefit.