Secure ‘True Own-Occupation’ income protection built specifically for high-net-worth Physicians, Dentists, and Attorneys. Protect your exact specialty and your lifestyle.
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The plan your HR sent looks good on paper. Here’s what it doesn’t tell you.
Employer-paid disability benefits are 100% taxable income. If you become disabled, 30–40% of your payout goes straight to the IRS — before you see a dollar.
Most group plans cap monthly benefits at $10,000–$15,000. If you earn over $200K per year, your plan covers less than half your lifestyle. The rest disappears.
If a surgeon loses hand function but can still teach or consult, most group plans stop paying entirely. ‘Any occupation’ definitions eliminate claims that True Own-Occupation covers.
What you get when you work with an independent specialist — not a captive agent.
You receive full benefits if you cannot perform the specific duties of YOUR specialty — even if you’re able to work in a different capacity. A surgeon is a surgeon. We protect that.
When you own your policy and pay the premiums personally, every dollar of your benefit is completely tax-free. What you’re owed is what you receive.
Your policy belongs to you — not your hospital or firm. Change employers, go private, retire early. Your protection follows your career, not theirs.
“I had no idea my employer LTD was taxable until Alex walked me through the math. My real replacement rate was 38%. We fixed it in under a week with a Guardian policy. Life-changing clarity.”
“As an oral surgeon, my hands are everything. Alex designed a policy that covers me for my exact surgical specialty — not just ‘dentistry.’ Most brokers don’t even know the difference exists.”
“I locked in my rates during residency at $180/month. Three years later as an attending, that same coverage would have cost $480/month. Lock in early. Non-negotiable advice.”
*Client experiences. Individual results vary. Names abbreviated for privacy.
Takes 2 minutes. We’ll match you with the right coverage and carriers for your specialty.
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Employer group plans typically use an ‘any occupation’ definition after 2 years — meaning if you can do ANY job, benefits stop. True Own-Occupation pays if you can’t perform your specific specialty, period. A neurosurgeon who loses fine motor control still gets paid, even if they could theoretically work a desk job.
We’re independent brokers representing Guardian, Principal, Ameritas, The Standard, and Ohio National — the top carriers for physician-grade own-occupation coverage. We shop all of them for you and present the best fit for your specialty and budget. No favoritism, no quotas.
The earlier the better. Premiums are locked at your current age and health status. A physician at 32 pays dramatically less than at 42 for the same coverage. Residents and fellows can lock in lower rates now with future increase options tied to income growth.
Most high-income professionals pay 2–4% of income for comprehensive own-occupation coverage. A 35-year-old physician earning $300K typically pays $300–$500/month for $15,000/month in benefits, tax-free. We’ll give you exact numbers — free, no obligation.
Yes. We layer supplemental individual coverage on top of your group plan to close the gaps — addressing the tax problem, the income cap, and the specialty loophole all at once. Most professionals need both.
Most disability claims happen to professionals who were certain it wouldn’t happen to them.
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