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disabilityincomepro.com
Disability Insurance for Pathologists
We are an agency that spends a lot of time working with physicians to obtain own-occupation disability insurance coverage, and a pathologist is no exception. As you very well know, many diseases are no longer an automatic death sentence. People are now living with a long term disability instead of passing away. Cancer is just one example of a disease that used to be a death sentence, which today may lead to an extended disability. So as medical advances help people to fight disease, the morbidity rates for disability insurance increase.
As you can see, as medical technology becomes more advanced, the need for disability insurance becomes even greater. As a pathologist, you also know that disease does not discriminate among occupations, a dreaded disease can hit a pathologist the same way it will hit a carpenter. There is no solid reason for anybody to not have their own disability insurance contract with the possible exception of being independently wealthy, and the need for disability insurance is greater today than it was yesterday.
Important Factors
Every physician with Berkshire is classified as occupational class 4, 4P, or 3. A class 4 is the highest, and best, occupational class that a doctor can have with Berkshire Life Insurance Company of America. A pathologist falls within our class 4, which means that you receive the lowest rate of any doctor with Berkshire. It also means that you get the most comprehensive definition of total disability that Berkshire offers. The definition of total disability is pure own-occupation to age 65, which means that because of sickness or injury, you are unable to perform the material and substantial duties of your occupation. Berkshire will consider you totally disabled even if you are at work in some other capacity so long as you are not able to work in your occupation.
As a pathologist we don't have to tell you that a disease doesn't care what you do for a living, we're not going to insult your intelligence like that. We do have to help people in other occupations understand this fact. There are however a few common disabilities that people in your occupation are at risk for which you may not have thought about. Back problems can easily keep you from performing the material and substantial duties of your occupation, if you are not able to sit down and look into a microscope, you can't perform your occupation very well. On top of disease and back problems you have to be concerned about your eye sight, lab accidents, and exposure.
Feel free to contact one of our disability insurance specialists. We can help you find answers about every major insurance company's disability insurance contract.
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W-2 Employees |
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