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Own Specialty Definitions of Disability

In this video, we take a quick tour of contract definitions that are offered out there, to explain the differences between contracts. The ‘Big 6’ Disability Insurance Carriers typically have this definition typically included unless you specifically request to leave that off of the contract.

🩺 Whether you are a physician, dentist or another medical professional, this type of insurance will protect the inability to work due to an illness or injury; while allowing you to collect an income from another source. ⚕️ You can double dip and collect income from both the insurance carrier and 1099/W2 income in your name.

Typically we recommend you purchasing your ‘Own Occupation’ plan while you are young and healthy. By doing so, you can rate lock your plan, be able to buy more coverage as an attending regardless of your risk factors and have no exclusions on your policies.


**Independent Brokers** are going to able to take these factors and then shop rates on your behalf:

☑️ Age
☑️ Gender
☑️ State of Residence
☑️ Are you in training?
☑️ Are you an attending? (there may still be discounts available)
☑️ Are you moving soon?
☑️ What riders do you want?

You should select an Independent Insurance Brokers that will be able to help you throughout your career and a team that you can count on over the years; one that works nationally to assist you as you may move throughout your career.


General Overview of Own Occupation Contracts
When should you buy this plan?
Who should you buy these plans from?
Select your Contract Type
Residual Disability Riders

Please let us know if you have specific questions on these elements and/or would like a review of your current plan. 🕛 To schedule your consultation, please click here:

🚀 Tools and resources we recommend:
⚡️FREE Physician Resources:
⚡️FREE Physician’s Guide to Disability Insurance:
⚡️How Future Purchase Options Work:

***🔅 Let’s connect at Instagram for more education and business strategies on how to build your personal risk management process!
@md_disability & @amberstitt_ ***

👍🏽Recommended Resources for specific specialties:

☑️Resources for FEMALES

☑️Resources for Dentists:

☑️Resources for Federal Employees:

☑️Resources for Females:

☑️Resources for Residents and Fellows:

☑️Resources for Optometrists:

☑️ Resources for Podiatrists:

☑️Resources for Veterinarians:

☑️Resources for Physicians in the Military:

Thank you so much for stopping by today!


PURE OWN OCCUPATION: The inability to perform the material and substantial duties of your occupation, even if gainfully employed in ANY other job; due to a disabling event.

TRANSITIONAL OCCUPATION: If you are unable to work in your specialty due to a disabling event, full benefits are payable to you but if you are working in another job; benefits can be reduced.

OWN SPECIALTY AND NOT ENGAGED: If you are unable to work in your specialty due to a disabling event, full benefits are payable if you are NOT working in another occupation.

OWN SPECIALTY FOR A LIMITED TIME, THEN ANY REASONABLE OCCUPATION: If you are unable to work in your specialty due to a disabling event, full benefits are payable for a limited time period and is usually 24-months.

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Own Specialty Definitions of Disability