Northwestern Mutual

Physicians and Dentists Have Unique Needs for Disability Insurance Coverage.

We understand that as a medical professional, you've made a significant investment in your education and career. It's more than a job, it's what you love and who you are. If you get sick or hurt and can't practice, there's more at stake than just an income.

Get More Choice. Take More Control.

Northwestern Mutual's disability income insurance for physicians and dentists is unique — it gives you more choice and control if you become partially or totally disabled. It protects your income and lifestyle today and gives you more flexibility in achieving your goals for the future.

Definitions make a difference. See how you could benefit from Northwestern Mutual's Medical Own Occupation Definition by reviewing the following disability scenarios.

Surgeon Icon

"My shoulder injury from a skiing accident is preventing me from performing surgical procedures, which accounts for the majority of my time and income."

Traditional Own Occupation Definition:

You will likely need to continue to work in order to receive a portion of your benefit.

Northwestern Mutual Medical Own Occupation Definition:

You have choices:

  • You can completely stop working and receive your full benefit.
  • You can continue working in another job and receive the difference between your full benefit amount and your income.
Post-Disability Income Options vs New Occupation Income:

$10,000 Pre-disability income

$5,000 Policy benefit

Policy Benefit
Post-Disability Income
Pre-Disability Income Gap
Chart showing policy benefit vs Pre-Disiablity Income Gap
"I decided to stop working and to receive my full benefit."
OR
Chart showing policy benefit vs Pre-Disiablity Income Gap
"I decided to teach, earning $2,000, allowing me to also receive full benefit because combined they do not exceed my pre-disability income."
Doctor Icon

"I had a stroke and am no longer able to do any duties of my patient care. However, I can still consult on medical cases for health insurers, about 20% of my time and income before my stroke."

Traditional Own Occupation Definition:

You must be gainfully employed in an occupation to be eligible to receive benefits.

Northwestern Mutual Medical Own Occupation Definition:

You have choices:

  • You can completely stop working and receive your full benefit.
  • Keep working — either with health insurers or in a new career — and be eligible to receive some or all of your benefit.
Post-Disability Income Options vs New Occupation Income:

$16,667 Pre-disability income

($2,083 from consulting)

$10,000 Policy benefit

Policy Benefit
Post-Disability Income
Pre-Disability Income Gap
Chart showing policy benefit
"I decided to stop working and to receive my full benefit."
OR
Chart showing policy benefit
"I decided to keep consulting for $2,083 per month, allowing me to claim my full benefit."
Pediatrician Icon

"Over the last year I've developed back pain that limits the amount of time I can work, so I've had to reduce my days in my pediatrics practice down to three."

Traditional Own Occupation Definition:

You'd have to keep working to receive benefits.

Northwestern Mutual Medical Own Occupation Definition:

You'd have to keep working to receive benefits.

Post-Disability Income Options vs New Occupation Income:

$20,000 Pre-disability income

$15,000 Policy benefit

Policy Benefit
Post-Disability Income
Pre-Disability Income Gap
Chart showing policy benefit
"I continue to see my patients with reduced hours, receiving a portion of my benefit to offset the loss of income."
Dentist Icon

"My cancer and the corresponding treatment are preventing me from doing all of my medical duties, but I can still work in a less stressful job on a limited basis."

Traditional Own Occupation Definition*:

You can take your full benefits and/or find employment in a different occupation while also receiving your full benefit.

Northwestern Mutual Medical Own Occupation Definition:

You have choices:

  • You can decide to try and work, including in another type of job, and be eligible to receive a proportionate benefit.
  • You can completely stop working and receive your full benefit.
Post-Disability Income Options vs New Occupation Income:

$25,000 Pre-disability income

$15,000 Policy benefit

Policy Benefit
Post-Disability Income
Pre-Disability Income Gap
Chart showing policy benefit
"I decided to stop working and to receive my full benefit."
OR
Chart showing policy benefit
"I decided to work in another field, earning $4,000 per month. That income will be supplemented by my full benefit."

Ready to see how disability income insurance fits into your personal plan?

Contact Us

We're Here for You.

At Northwestern Mutual, we take a "whole picture" approach to help you develop a financial plan, growing wealth with personalized investments and protecting what matters most through insurance. Disability income insurance is just one important part of a comprehensive financial plan. We'll help you understand what true financial security is and how to put all the pieces in place to achieve it.