What is the ‘Specialty Occupation’ Definition of Disability?

A question we’re commonly asked is,“What is the ‘specialty occupation’ definition of disability?

This states that you’re totally disabled, if due to illness or injury, you’re unable to perform the material and substantial duties of your occupation at time of claim. If you’re a physician or dentist, your occupation can mean a specific, professionally recognized specialty or subspecialty.

This definition allows you to earn any amount of income from a different job while on claim and continue to receive full policy benefits. For example, a surgeon becomes disabled because of a back problem and cannot stand to perform surgeries. She then elects to become the medical director of a local insurance company. She would be entitled to collect the full disability benefit under her specialty disability policy in addition to receiving the income from the medical director position.

Most disability policies do not contain the specialty definition.  If you want to be sure you obtain this true specialty occupation definition, feel free to give us a call or text us at (704) 707-5788.

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