Why is Own-Occupation Physician Disability Insurance Necessary?

Shopping for insurance is never a quick or simple process. Insurance policies are very nuanced and packed with tons of valuable information that’s not always easy to understand.

Continue on to learn why own-occupation physician disability insurance is necessary for you to carry as a medical professional.

Own-Occupation Physician Disability Insurance Explained

In the event that you become disabled and can no longer conduct your specific job or any portion of it, all you’ll really want in a disability insurance policy is to protect you from going without an adequate income for any period of time.

An own-occupation physician disability insurance plan is the most effective plan to protect you if you’re unable to work due to a disability.

Many insurance policies state that you must be “flat on your back” disabled in order to qualify for benefits.

Except, what if you specialize in procedures to generate 80% of your income and you’re involved in an accident that forces you to amputate your hand? If your policy states that you must be “flat on your back” to provide coverage, you’ll be left to fend for yourself.

It’s for that reason why you should look for an own-occupation policy with a broad definition of “disability.” That way, the insurance company cannot tell you that there are other jobs related to your field that you can still perform, which makes you ineligible for benefits.

We’re Here For You

If you’re a new physician shopping for disability insurance, or a seasoned doctor who’s become disabled and had a claim denied, we may be able to help you recover the compensation you deserve. Our team here at Dabdoub Law Firm is highly skilled in the area of insurance law. We’ve helped many other people just like you obtain much-needed benefits, and we may be able to help you, too. Don’t wait—contact our firm with your case right away.

Call Dabdoub Law Firm today at (800) 969-0488 to speak with an attorney about your case.

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Let Dabdoub Law Firm Fight for the Disability Benefits
You Rightfully Deserve.

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