seguro de incapacidad propia ocupación puede ser muy importante para los profesionales médicos y otros. La mayoría de la discapacidad e incapacidad grupo de gobierno tiene lo que se denomina un? Cualquier ocupación? definición de discapacidad. Este lenguaje significa que puedes obtener ingresos mensuales hasta el momento en que usted es capaz de ejercer las funciones de una actividad profesional remunerada. Una vez que tienes la capacidad para realizar cualquier ocupación razonable, su aseguradora puede determinar que usted ya no está incapacitado y ahora son elegibles para recibir beneficios.
propia discapacidad ocupación cobertura de seguro se estipula que, una vez que han sido considerados discapacitados por la lengua de su póliza, usted sigue teniendo derecho a las prestaciones hasta puede volver a las funciones de su especialidad específica. Esta definición diferente de la discapacidad puede ser inmensamente importante para un profesional con un nivel poco frecuente y de gran experiencia.
Por ejemplo, supongamos las siguientes condiciones: Usted es un oftalmólogo, cuya jornada laboral normal incluye una o más intervenciones quirúrgicas delicadas ópticas. Usted? He sufrido una lesión en uno o ambos de sus manos. Su compañía de seguros le ha certificado como discapacitado y pueden acogerse a los beneficios de ingresos discapacidad. Cinco meses a partir de la fecha de su incapacidad, usted? He recuperado el uso general de tu mano (s), pero todavía no puede volver a realizar precisa, delicada cirugía?.
Si su cobertura de seguro de incapacidad tiene? Cualquier ocupación? definición de la discapacidad, su compañía de seguros puede determinar que usted es capaz de ejercer las funciones de una actividad profesional remunerada, aunque no su especialidad, y declara que ya no son elegibles para recibir beneficios. Como puede ver, sería difícil, si no imposible de replicar sus ganancias como un cirujano ocular a través de una ocupación menor. Si usted tiene cobertura propia incapacidad de ocupación, todavía serían elegibles para beneficios de ingresos mensuales hasta que pueda reanudar las tareas de su especialidad.
Por esta razón, los profesionales médicos altamente especializados y otros tendrán que considerar la ocupación de lenguaje propio en una póliza de incapacidad a la renta.
La punta de la lista anterior es únicamente con fines informativos. Consulte su contrato de póliza de seguro para obtener información específica acerca de su cobertura y los términos reales, condiciones y exclusiones. Las declaraciones anteriores son de carácter general y pueden o pueden no reflejar las condiciones reales de su póliza de seguro.
Is Dentist Disability Insurance Available for Most Specialties?
When Is It Wise to Consider Getting Supplemental Dentist Disability Coverage?
Why Does It Appear That Disability Insurance for Dentists Is More Expensive than Life Insurance?
What Factors Are Commonly Considered When I Apply for Dentist Disability Insurance?
As a New Dentist, What Insurance Coverage Should I Consider?
Can I Quickly Estimate What Good Doctor Disability Insurance Coverage Might Cost?
Where Can I Find Doctor Disability Insurance Company Financial Ratings?
Are There Different Types of “Disability” as Defined by Doctor Disability Insurance Coverage?
Can My Medical History Influence My Ability to Get Disability Insurance for Doctors?
As a Medical Resident, Why Is Disability Insurance for Resident Physicians Important to Consider?
Am I Eligible for Some Extra Features in a Policy for Disability Insurance for Medical Residents?
How Are My Rates Determined in a Disability Insurance for Medical Residents Policy?
How Much Income Benefit Can I Typically Get With Resident Physician Disability Insurance?
Can I Get a Disability Plan Option That Guarantees My Future Insurability?
How Does the Elimination Period Clause Work and Can I Make It Better For Me?
What is a “Social Security” Rider That Can Sometimes Be Added to a Disability Insurance Policy?
How Does a Return of Premium Provision Work and What Might It Cost?
What Is Government Disability Insurance?
Are There States That Offer Disability Income Insurance?
What Is the Social Security Definition of a “Disability” to Qualify for Disability Income Insurance?
How Do I Qualify for Social Security Disability Income Insurance (SSDI)?
How Does a Government Disability Income Insurance Calculator Work?
Is There More Than One Government or Social Security Disability Income Insurance Program?
What Process Does the Social Security Administration (SSA) Follow to Decide If I’m Disabled?
What Are Some Things I Should Know About Getting Disability Insurance Quotes?
How Can I Find Some of the Lowest Disability Insurance Quotes?
How Can I Best Use the Internet to Get Disability Insurance Quotes?
What Should I Consider When I Get Quotes for Disability Insurance for Self-Employed People?
What’s an Effective Way to Find the Best Deal Disability Insurance?
What Are the Primary Differences Between Short and Long Term Disability Insurance Programs?
What Are Some Common Differences Between Group and Individual Long Term Disability Insurance?
Should I Consider Having Both Short Term and Long Term Disability Coverage?
What Are Some Common Tax Considerations of Long Term Disability Insurance Programs?
What Are the Most Popular Long Term Disability Benefits Terms?
Why Do Long Term Disability Insurance Premiums Appear to Vary So Much?
What Is Own Occupation Disability Insurance?
Why Is It Considered Important for Professionals to Have Own Occupation Disability Insurance?
What Is the Definition of “Own Occupation” Disability Insurance?
What Are the Tax Considerations of Own Occupation Disability Insurance Premiums and Benefits?
What Is an Own Occupation Rider to a Disability Insurance Policy?
What Does “Own Occupation” Mean When Referring to Disability Insurance?
What’s an Effective Way to Find the Best Own Occupation Disability Insurance?
What Is the Difference Between Long Term and Short Term Disability?
How “Long” Is Short Term Disability?
How Can I Find Individual Short Term Disability Insurance?
Who Is Typically Eligible for Short Term Disability (STD) Coverage?
What Are the Pros and Cons of Group Versus Individual Short Term Disability Coverage?
How Do Disability Statistics Influence Insurance Premiums?
How Does Employer Disability Insurance Differ From Individual Coverage?
How Are Life and Disability Insurance Related?
Is Private Disability Insurance Better Than Government Insurance Protection?
Do the Circumstances or Causes of Disability Affect Disability Insurance Benefits?
What Is Disability Insurance in Relation to Workers Compensation Insurance?
What Is Presumptive Disability?
How Do the Definitions of Disability Differ with Private and Governmental Insurance Programs?
What Are the Common Levels of Disability?
How Do Permanent Partial Disability Benefits Work?
What Factors Determine a Decision Regarding Total Versus Partial Disability?
How Do Benefits in a Residual Disability Insurance Policy Work?
Guru Spotlight |
Jennifer Mathes, Ph.D. |