Physicians and attorneys invest considerable time and resources to train for their careers. If their ability to practice in their profession becomes limited by disability, they may have different income protection needs than other employees.
Preferred Segment LTD insurance for physicians and attorneys addresses these needs by removing the Mandatory Rehabilitation and Return to Work Responsibility provisions and offering a generous “or” definition of disability, in addition to the following features and options.
The LTD plan includes:
Optional enhancements include:
Under the optional Own Specialty definition of disability, The Standard may consider a medical specialty or sub-specialty to be a medical doctor’s occupation if the doctor meets certain requirements. Likewise, The Standard may consider a particular legal subject matter area or type of legal practice to be an attorney’s occupation, if the attorney meets certain requirements. The requirements for the Own Specialty definition of disability from The Standard are clearly spelled out in our policy.
To learn more about Preferred Segment Coverage, contact your insurance advisor or the Employee Benefits Sales and Service Office for your area at 800.633.8575.
The products and coverages have exclusions, limitations, reductions of benefits and terms under which they may be continued in force or terminated. Please contact The Standard for additional information, including costs and complete details of coverage.
This policy provides disability income insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Insurance department.
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