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Questions on quote from Guardian DI policy

Bogleheads • View forum - Personal Finance (Not Investing) - www.bogleheads.org
A friend received a quote from Guardian for DI. I've been doing research to help. A lot people say Guardian is really good for physician. Is it because the definition of total disability is good? How is it comparing to other companies?

Another question on the elimination period below, what's the difference between 90 days elimination period (which is for the policy) and the 210 days described below?

Code: Select allTotal Disability You will be considered totally disabled if, solely due to injury or sickness,

you are not able to perform the material and substantial duties of your occupation, even if

you are gainfully employed in another occupation.

Working an average of more than 40 hours in a week, in itself, is not a material and

substantial duty.

Your occupation means the occupation(s) in which you are gainfully employed during the

12 months prior to the time you become disabled. Your occupation does not mean a

specific job title, designation, industry, or job with a certain employer.

If your occupation is limited to a Medical Doctor or Doctor of Osteopathy and more than

50% of income is earned from hands-on patient care, we will consider you to be totally

disabled even if you are gainfully employed in your practice or another occupation so long

as, solely due to injury or sickness, you are not able to provide hands-on patient care.

Hands-on Patient Care means meeting with a patient in a clinical setting for the purposes

of providing medical advice, evaluation, diagnosis, or treatment, that you regularly and

personally provide, during the 12 months prior to your disability.

If your occupation is limited to a Medical Doctor or Doctor of Osteopathy and more than

50% of income is earned from performing surgical procedures, we will consider you to be

totally disabled even if you are gainfully employed in your practice or another occupation

so long as, solely due to Injury or sickness, you are not able to perform surgical

procedures.

Surgical Procedures means the medical interventions involving an incision with

instruments performed by you in a clinical or hospital setting normally involving

anesthesia and/or respiratory assistance, that you regularly perform, during the 12 months

prior to your disability. These procedures can be performed on either an inpatient or

outpatient basis. Providing hypodermic injections, in itself, is not a surgical procedure.
Date: Jun 19, 2017   



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