This definition of disability allows for you to collect full benefits, with no offsets from other income, group coverage and/or government benefits.
| Definition | What it means |
|---|---|
| Own occupation | Disability means the inability to perform the material and substantial duties of your occupation due to injury or illness. |
| Own specialty | An own-occupation definition of disability that further defines your occupation to the specific medical specialty you practice. |
| Any occupation | May require you to work in any job based on your education, training, or experience. |
Own Occupation offers the most protection for a medical professional. You will need to purchase this rider in order to have the ability to double dip between income and a disability benefit, if disabled.
STEP ONE: Print the Checklist
STEP TWO: Select the Best Definition for you
Pure Own Occupation | Transitional Occupation | Own Specialty & Not Engaged | Own Specialty for Limited Time
Most of our clients will require the Pure Own Occupation definition. To view carrier definitions, please review our Guide.
Step Three: Select the Carrier That offers You the Most Value
Ameritas, Guardian, MassMutual, Principal and The Standard (how the five compare)
You may have more value with one company over the other. Some carriers offer additional savings depending on your state, specialty, employer and features you select. Additionally, there are ancillary (complimentary features) that are inside these contracts, outside of the basics you will find on our checklist.