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How is “Disability” Defined for Physicians?

This may be the most important question to ask when inquiring about physician disability insurance.

Keep reading to learn how “disability” is defined for physicians’ insurance purposes.

Defining “Disability”

All you really want in a disability insurance policy is for it to protect you in the event that you become disabled and are no longer able to execute your particular job or any portion of it. The name of a policy like this is own-occupation, specialty-specific disability insurance.

It’s common for disability insurance policies to make it so that you must be “flat on your back” disabled to be eligible for the benefit.

However, what happens if you specialize in procedures that generate 80% of your income, and you’re involved in an accident that causes you to have to amputate your arm? If your policy only covers you if you’re “flat on your back,” your disability likely won’t be covered by the plan.

That’s why it’s in your best interest to find a policy with the most widespread definition of disability. In addition, the policy should be relevant to your occupation as a physician and is specific to your specialty, such as a pediatrician, ophthalmologist, neurosurgeon, etc.

That way, if you’re no longer able to conduct your particular job, you should still be eligible for disability insurance benefits.

Let Us Help

If you’re a physician and you need help applying for disability benefits, or your benefits have been denied, we may be able to help. Here at Dabdoub Law Firm, we are highly skilled in the area of disability insurance and have helped many others just like you obtain the benefits they needed. Don’t hesitate to contact us with your case right away. Nothing pleases us more than helping people obtain the benefits they deserve!

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