Northwestern Mutual

Disability Income Insurance for Physicians and Dentists

Learn how Northwestern Mutual’s Medical Occupation Definition of Disability puts you in control.

Disability-Income-Insurance-for-Physicians-and-Dentists

 

You’ve invested a lot of time, energy and money into building your practice. Protect it with disability income insurance that's designed specifically for physicians and dentists.

Disability Insurance for Physicians

Based on the input of medical professionals across the country, we developed the patented1 Medical Occupation Definition of Disability – the only one of its kind in the industry. Medical Occupation Definition provides more flexible protection than Own Occupation coverage can offer, including the ability to decide for yourself whether to continue working if an illness or injury prevents you from doing some, but not all, of the most important duties of your specialty. In contrast, most Own Occupation policies typically require you to continue working to receive benefits if you can still perform some of your important duties while sick or injured.

In short, Northwestern Mutual’s Medical Occupation Definition does what no other disability insurance today does: it puts you in charge of how you move forward in your life should disability strike.

Northwestern Mutual’s Medical Occupation Definition


Situation With Typical Own Occupation2 With Northwestern Mutual's Medical Occupation3
SituationSituationSituationSituation
You are considered totally disabled because you cannot do all of your principal duties, and you are not gainfully employed

With Typical Own Occupation2With Typical Own Occupation2With Typical Own Occupation2With Typical Own Occupation2
You will be eligible to receive your full disability insurance benefit.

With Northwestern Mutual's Medical Occupation3With Northwestern Mutual's Medical Occupation3With Northwestern Mutual's Medical Occupation3With Northwestern Mutual's Medical Occupation3
You will be eligible to receive your full disability insurance benefit.

SituationSituationSituationSituation
You are considered totally disabled because you cannot do all of your principal duties, and you are gainfully employed in another occupation
With Typical Own Occupation2With Typical Own Occupation2With Typical Own Occupation2With Typical Own Occupation2
You will be eligible to receive your full disability insurance benefit.
With Northwestern Mutual's Medical Occupation3With Northwestern Mutual's Medical Occupation3With Northwestern Mutual's Medical Occupation3With Northwestern Mutual's Medical Occupation3
You can earn up to 20% of your pre-disability income and still be eligible to receive your full disability insurance benefit.

If you earn more than 20% of your pre-disability income, you will receive a proportionately reduced benefit.

SituationSituationSituationSituation
You are considered partially disabled because you are capable of doing some, but not all of your principal duties
With Typical Own Occupation2With Typical Own Occupation2With Typical Own Occupation2With Typical Own Occupation2
You must be gainfully employed to be eligible to receive a proportionate disability insurance benefit.
With Northwestern Mutual's Medical Occupation3With Northwestern Mutual's Medical Occupation3With Northwestern Mutual's Medical Occupation3With Northwestern Mutual's Medical Occupation3
In specific circumstances, you will have the flexibility to decide to:
Continue gainful employment and receive a proportionate benefit.
or
Cease gainful employment and receive your full monthly benefit.