When to Choose a Transitional Own Occupation Rider on Your Physician Disability Policy

Physician Disability Policy Transitional Own Occupation Rider

In the physician disability insurance world, if you listen to any qualified agent you will consistently hear, “You need an Own Occupation Disability Insurance Policy.” This is especially true if you are a doctor or surgeon whose duties include interventional procedures as well as surgery.

While this statement is generally accurate, in my opinion there are some instances when a Transitional Own Occupation Definition of Disability would work similarly to the Own Occupation language.