Our Optometrist ‘Disability Guide’ Defined

In addition to helping physicians, our team also assists other medical professionals. We often work with Optometrists, another medical specialty who also need to protect their income in the event an illness or injury prevents them from working.

There is a big need to insure income in this specialty as many Optometrists are self employed so this drives the need for private AND business disability policies as well.

We have developed a Guide to Disability Insurance Contracts to help Optometrists and this video will assist in explaining the differences between the types that are out there. You can watch to learn about the differences and then refer to the FREE downloadable DI Guide found below.

We discuss the top 3 here:
1) Own Occupation / Pure Own Occupation
2) Transitional Occupation
3) Own Specialty Not Engaged
4) Own Specialty for a Limited Time, then any Reasonable Occupation is not discussed here as these are often found in group contracts.

By the end of the video, if you are an Optometrist, you should be able to identify which contract is right for you! We are happy to review your current plan or provide quotes for a new one.

RESOURCES

Please be sure to pick up our Optometrist’s Guide here: https://mddisabilityquotes.com/wp-content/uploads/2026/10/3449cc_3b6a7ecdc3f145f0b6ee26a09b5d1f54.pdf

Please be sure to pick up our Optometrist’s Checklist here:
https://mddisabilityquotes.com/wp-content/uploads/2026/10/3449cc_3b6a7ecdc3f145f0b6ee26a09b5d1f54.pdf

Request a Quote: https://mddisabilityquotes.com/get-a-quote

Book a Consultation: https://mddisabilityquotes.com/schedule-a-meeting

What You Will Learn:

• What a True Own-Occupation definition of disability means

• How disability insurance defines the material and substantial duties of your occupation

• The differences between True Own-Occupation, Transitional Occupation, and Own-Occupation Not Engaged

• How post-disability earnings may affect disability benefits

• Why specialty-specific disability protection is important for physicians

• How disability insurance protects your career—not just your income

• Why reviewing policy language before purchasing coverage is essential

• Free physician disability insurance resources from MD Disability Quotes

Chapters:

0:00 Introduction to Disability Insurance Definitions

0:08 What Is a True Own-Occupation Definition?

1:04 Comparing the Three Major Disability Definitions

1:56 Why Specialty Protection Matters for Medical Professionals

2:44 Free Physician Disability Insurance Resources