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Physician Disability Insurance - Disability Insurance Quotes for
Doctors
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Class 4P Physicians
Doctors in occupational class 4P are also eligible for graded lifetime own-occupation benefits. There is absolutely no difference between the disability insurance policies of a class 4, and a class 4P physician. The only difference between a class 4P and 4 policy is the rate. Class 4P doctors pays a bit more for disability insurance because of less favorable claims experience
Request a Disability Insurance Proposal
Options Available to a Class 4P Physician
Own The Practice? As the owner of a practice you have more than one income to protect in the event of a disability. While an individual disability insurance policy will pay you your income during a claim, who is going to pay the business expenses that will add up very quickly while you are not seeing patients? We sell a Professional Overhead Expense policy that will continue to pay your deductible overhead expenses for up to two years during a disability claim. This will cover your employee's salaries, lease payments, and other necessary expenses so that you have a practice to come back to when you recover.
* Florida does have a two year mental and nervous disability maximum. |
    
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