Disability Insurance

True Own Occupation

Get full benefits if unable to work in your medical specialty, with the freedom to work in a different occupation or specialty.

 

The Gold Standard

 

True Own Occupation disability insurance is the "gold standard" for income protection in healthcare due to the freedom it offers an individual to work in an alternative occupation or specialty without a reduction in disability benefits, creating a path to full income replacement.   

Example

A Cardiovascular Surgeon is diagnosed with Multiple Sclerosis (MS).  Although symptoms are so far minor and intermittent, a key part of disease management is stress reduction, rendering him/her unfit to perform surgery or commit to a hectic schedule.

With True Own Occupation Disability Insurance, full benefits are payable without offset even if the Cardiovascular Surgeon earns income in a different occupation with reduced stress.

  • Teaching at a University

  • Government work

  • Consulting, perhaps self employed

  • Research work

  • Primary Care or other medical specialty

  • Starting a business

What Does the "True" in True Own Occupation Disability Insurance Mean?

"True" Own Occupation coverage is not the same thing as own-occupation coverage.  

  • Without the "true", a person on claim is not allowed to work, even in a different occupation.  Or if they are, benefits are subject to reduction.

  • True own occupation permits unlimited earnings in another occupation while disabled from one's own occupation, without reducing benefits, creating a path to 100% income replacement or more.

  • Specialty true own occupation may be included, which defines the occupation more narrowly.  Specialty language is arguably not necessary since the specialty is entered on the application, which is part of the policy.  However, it's more reassuring.  

Carriers use different words to describe the true own occupation concept.  Besides "true," it may also be referred to as "regular" own occupation or "pure" own occupation.  

True own occupation always requires a rider, for additional cost.  The base policy alone is not sufficient because the base policy will define disability with a not-working requirement.  Only through the attachment of the correct rider is it possible for a policy to be "true" own occupation.

Healthcare occupations eligible for true own occupation

Acupuncturist

Administrator

Allergist

Anethesiologist

Anesthetist

Audiologist

Assistant (medical or technician)

Cardiologist

Case Manager

Certified Medical Aide

Certified Nurse's Aide

Colorectal Surgeon

Coroner

Critical / Intensive Care Physician

Dentist

Dentist (pediatric)

Dermatologist

Dosimetrist

Ear Nose & Throat (ENT) Physician

Electrophysiologist

Emergency Room Physician

Endocrinologist

Endodontist

Epidemiologist

Family Practice / General Practice Physician

Gastroenterologist

General Surgeon

Genetics Physician

Geriatrician

Gynecologist

Hematologist

Hepatologist

Hospitalist

Immunologist

Infectious Disease Physician

Inhalation Therapist

Internal Medicine Physician

Midwife

Moh's Surgeon

Neonatologist

Nephrologist

Neurologist

Neuropsychiatrist

Neurosurgeon

Nuclear Medicine Physician

Nurse Anesthetist (CRNA)

Obstetrician

Occupational Medicine Physician

Oncologist

Opthamologist

Oral & Maxillofacial Surgeon

Osteopath (DO)

Othodontist

Orthopedic Surgeon

Otolaryngologist

Pain Management Physician

Paramedical Examiner (RN, office duties only)

Pathologist

Pediatrician

Perfusionist

Periodontist

Physiatrist

Physical Medicine & Rehabilitation / Physiatrist

Physician's Assistant

Plastic Surgeon

Podiatrist

Proctologist

Prosthodontist

Psychiatrist

Psychoanalist

Psychologist

Psychotherapist

Pulmonologist

Radiation Therapist

Radiologist

Registered Nurse (RN) - office, clinic only

Respiratory Therapist

Rheumatologist

Speech Therapist

Sports Medicine Physician

Surgical Assistant

Thoracic Surgeon

Toxicologist

Urgent Care Physician

Urologist

Vascular Surgeon

Venous Disease Specialist

Veterinary Anesthesiologist

Don't see your occupation?  Please ask.

Get Started

Get a quote for true own occupation disability insurance.

 

Disability Underwriters

1420 5th Avenue   Suite 2200

Seattle, WA     98101

(206) 673 2219