Do You Need an Own Occupation Disability Insurance Policy? #doctor #physicianfinance

Probably the most important aspect of the definition of disability for doctors is that it is specific to your occupation. For instance, if an emergency doctor lost their left thumb, there are a number of procedures in emergency medicine that they would no longer be able to do, but they could probably still work in some other fields of medicine. A specially specific definition of disability within a policy would provide full disability payments in addition to the money they make at an urgent care or another job. Own occupation policies cover people based on the occupational duties they are performing at the time of claim. Sometimes the specially specific clause is inherent to the policy, and at other times it is an additional rider added to the policy, which you pay an additional premium either way, you almost surely want to get this in your policy.