Disability Insurance by Occupation
What is the best disability insurance for dentists?
Dentists need own-occupation disability insurance that defines disability based on their dental specialty. If a dentist develops hand tremors, they should receive full benefits even if they can work in another capacity. An independent agent can compare specialty-specific own-occupation policies.
Key Points
- Own-occupation: most important feature for dentists
- Specialty-specific definition: dentist disabled if cannot perform dentistry
- True own-occupation: receive full benefits even if working in another capacity
- An independent agent can compare specialty-specific own-occupation policies
- Residual disability rider: important for partial disability