What is modified own occupation insurance? | Disability For Doctors FAQ

Disability For Doctors is comprised of experienced insurance professionals who have taken the time to answer the most Frequently Asked Questions concerning specialty specific own occupation disability insurance for medical and dental professionals.

Question: What is modified own occupation insurance?

Answer: When dealing with a modified own occupation disability policy, you can generally expect to receive payments only as long as you cannot perform the material and substantial duties of your job solely due to injury or sickness. Basically this type of policy will pay your disability benefits as long as you are unemployed and cannot continue to work in your own occupation but as soon as you become gainfully employed in a new occupation, payments will generally be stopped at that time.