What is a Long Term Disability?

1. Pure Own Specialty Definition: If you are unable to work in your specialty after long term disability, full benefits are payable even if you are working in a different specialty or a different occupation all together.

2. Transitional Definition: If you are unable to work in your specialty, full benefits are payable. If you choose to be employed in another occupation; full benefits will be paid until post disability earnings plus disability insurance benefits equal pre-disability earnings.

3. Not Engaged Contract: If you are unable to work at your specialty, full benefits are payable if you are not working at a different occupation. Proportionate benefits are payable if you work in a different occupation but experience a loss of income. Key: (choice to work in another occupation is yours and not the company's).

4. Own Specialty for specific time then any reasonable job: If you are unable to work at your specialty due to long term disability, full benefits are payable if you are not working at a different occupation. Proportionate benefits are payable if you work in a different occupation but experience a loss of income. Key: (choice to work in another occupation is yours and not the company's).

 

 
 
 
 
 
ownspecialty.com
with Gary Baird
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ownspecialty.com
ownspecialty.com
  Business Overhead Coverage

This often overlooked protection helps protect partnerships by offering a monthly benefit to pay regular reoccurring bills in the case of a disability.
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with Ryan Poindexter
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ownspecialty.com
  Disability Buyout Coverage

Long-term disabilities can have a major financial impact on practices with multiple partners. Buyout coverage offers financial protection to all affected.
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M.D. Disability Insurance Services is owned by M.D. Financial Services, Inc.