Whether your career as a physician or dentist is just getting started or you've already established a successful practice, it’s important to protect your ability to generate income—and live the lifestyle you’ve created—if you become injured or ill.
Disability income insurance helps you do just that, by replacing a portion of your income if a medical condition keeps you from working. Northwestern Mutual’s disability income insurance for physicians and dentists is unique—it gives you more choice and control if you become partially or fully disabled.
If you’re diagnosed with an illness or injury that leaves you partially disabled, forcing you to give up your principle duties—the things that matter most to you professionally—you have options. You could stop working and receive full disability benefits. Or, you could keep working—either continuing to perform your other duties or in an entirely new occupation—and receive a partial benefit.
If you’re totally disabled and can’t perform any of the duties in your current occupation, you also have options. You could take your full disability benefit. Or, you could decide to change your occupation all together and receive some or all of your benefit. Bottom line: You have choices.
If you become disabled, with Northwestern Mutual’s disability income insurance for physicians and dentists, you decide how you'll live the next chapter of your life. So as you consider the need for disability income insurance, choose a company that understands your unique needs as a professional. One that protects more physicians and dentists than anyone else in the industry1 ... one that's been awarded the highest financial strength ratings of any insurer and that will be there when you need it most.
1Gen Re, U.S. Individual Disability Market Survey, 2015 Results
Disability insurance policies contain some contractual features and optional benefits that may not be available in all states. The ability to perform the principal duties of your occupation is only one of the factors that determine eligibility for disability benefits. These policies also contain exclusions, limitations and reduction-of-benefits provisions. Eligibility for disability income insurance, additional policy benefits and qualification for benefits is determined on a case-by-case basis. For costs and complete details of coverage, please contact a Northwestern Mutual Financial Representative.