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True Own Occ with Medical & Dental Specialty Language


True own Occupation disability coverage may not be enough for certain medical and dental professionals.  Guardian offers higher quality definitions of total disability than true own occupation alone.   To further enhance the true own occupation language we add either specialty language or enhanced medical specialty language.  These definitions of total disability ensure that you have the utmost protection in your time of need.  Yes, the definitions of disability and the base policy provisions are that good, and provide the most freedom for those unfortunate situations where there is a claim.

True Own Occupation with specialty language is available to dentists, and medical occupations (3M-6M) if the insured selects the graded lifetime disability benefit rider, or does not select a partial disability benefit rider.  This language adds the following language to True Own Occupation: “If you have limited Your Occupation to the performance of the material and substantial duties of a single medical specialty or a single dental specialty, We will deem that specialty to be Your Occupation.”

 

Enhanced Medical Specialty:  The below enhanced definition of disability is available to all medical occupations who don't have the graded lifetime disability benefit rider and have selected a partial rider. This adds the following to the True Own occupation Definition of disability: 

If Your Occupation is limited to a Medical Doctor or Doctor of Osteopathy and more than 50% of Income is earned from Hands-On Patient Care, We will consider You to be Totally Disabled even if You are Gainfully Employed in Your practice or another occupation so long as, solely due to Injury or Sickness, You are not able to provide Hands-on Patient Care.

OR 

If Your Occupation is limited to a Medical Doctor or Doctor of Osteopathy and more than 50% of Income is earned from performing Surgical Procedures, We will consider You to be Totally Disabled even if You are Gainfully Employed in Your practice or another occupation so long as, solely due to Injury or Sickness, You are not able to perform Surgical Procedures.


For more information on this new definition please visit the Provider Choice page


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2019-91505 Exp 01/2022