Anesthesiologist Disability Insurance

For persons in your medical specialty, it is a necessity to be covered by a disability policy that recognizes your specialty. With Berkshire, if your occupation is limited to a single medical specialty certified by the American Board of Medical Specialties, we will deem your specialty to be your occupation. Therefore, if because of sickness or injury, you are unable to perform the material and substantial duties of an anesthesiologist, Berkshire will consider you totally disabled, even if you are at work in some other capacity. This type of coverage is what is referred to as pure own-occupation, and ProVider Plus disability insurance offers anesthesiologists pure own-occupation disability insurance to age 65.

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What is a Residual Benefit?

Residual disability means that you are at work and are not totally disabled, but because of sickness or injury you have suffered an income loss of at least 15% of your prior income. There are two variations of this rider within the disability insurance market today. With our Residual Disability Rider, you have an unlimited recovery for the entire benefit period . Berkshire does not require a loss of time or duties to pay a residual claim, and will keep paying residual benefits even after you have returned to work full time until your income fully recovers, not just until you physically recover. Most of our competitors require a loss of time or duties to pay a residual claim, so once you are back to work the best you could hope for would be a small recovery benefit which may be capped at 6 months. Berkshire has an unlimited recovery benefit for the entire benefit period of the contract.

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As an anesthesiologist, ProVider Plus disability insurance from Berkshire or Guardian does an excellent job of protecting your medical specialty, and more importantly your income. The two most important policy advantages in the ProVider Plus contract are the medical specialty protection, and the residual disability rider offering a recovery for the entire benefit period. There are some carriers offering own-occupation, but the combination of the recovery benefits with the medical specialty own-occupation protection makes Berkshire one of the best choices for disability insurance.

Berkshire Life was the number one writer of individual Non-Cancellable disability insurance in 2007 nationwide, and has really become the leader in the market. Our agents are licensed in every state of the United States, and are ready to work with you to help you secure a ProVider Plus disability insurance policy today. You can get a quote by calling our office toll free at (888) 513-2300 or requesting a disability insurance quote on-line. We know you are busy, our goal is to help you buy a policy quickly and easily.