The Most Important Feature of Physician Disability Insurance
Physician disability insurance contracts can be complicated and difficult to understand. Make sure this feature is in your contract, no matter what.
A residual benefit ensures that you can receive partial benefit if you are only partially disabled and still working. If your income is reduced by 20% as a result of an illness, you are eligible to collect 20% of your physician disability insurance benefits. Make sure that your contract has the residual disability insurance benefit rider.