Own-Occupation Definitions
Evaluate whether coverage can address inability to perform the material duties of your specific occupation or specialty, and how work in another capacity affects benefits.
Protect your most valuable asset—your ability to earn
Disability insurance for the income you depend on.
For physicians, dentists, attorneys, executives and business owners, an illness or injury can interrupt earnings long before retirement. Plan how income and financial obligations could be supported if work becomes impossible or limited.
Discuss Income ProtectionWhat matters in a policy
Coverage details can matter more than the premium.
The appropriate definition of disability and available benefits depend on your occupation, underwriting, contract and insurer.
Partial & Residual Disability
Consider income losses when you're able to work fewer hours or perform fewer duties, not only total disability.
Benefit Design & Riders
Compare benefit amounts, elimination periods, benefit periods, future increase options and available cost-of-living features.
Employer Group Coverage
Review coordination, portability, taxable benefit treatment and potential gaps relative to individual coverage.
Practice & Business Expenses
Consider business overhead expense coverage for eligible recurring business expenses, separately from personal income replacement.
Business Continuity
Assess the effect of a disability on partners, staff, operating cash flow, buy-sell arrangements and business succession.
Physicians & dentists
Medical specialties deserve careful contract review.
Procedural, surgical and other specialty-based income can depend on duties that may be difficult to perform after an injury. Review the policy's precise occupation definition, exclusions, limitations and claim provisions—not just an illustration or brochure.
Explore Financial Planning for Medical Professionals →Protect the income behind your financial plan.
Review coverage you already have and identify where individual protection may be appropriate.