Allergists and Immunologists have special considerations when it comes to selecting a disability income insurance policy. The definition of disability should be specialty-specific. In a disability scenario, the Allergist / Immunologist would want to be paid full benefits due to being disabled as an Allergist / Immunologist, even if he or she could work as another kind of physician. Furthermore, the definition of disabled should permit working in a different occupation (or medical specialty) without compromising benefits. This is because disability benefits are rarely adequate to provide the same standard of living, and the Allergist / Immunologist would have to re-train for another occupation.