As a doctor, not only should you have an occupation definition of disability in a disability insurance policy, you should have an insurance company with a “specialty definition.” The occupation definition of disability states in general (exact wording depends on the company): “Pays benefits if you are unable to perform the material and substantial duties of your own occupation due to sickness or injury…even if you are able to do some other kind of work.” If you’re a physician who has limited his or her practice to a recognized specialty, here’s what one leading disability insurance company says: “if a professional has limited his or her practice to a recognized specialty, that specialty will be considered his or her occupation for the purposes of the contract.” The experts at protectyourincome.com (866 691-0100) can show you disability insurance companies that include both occupation and the specialty definition of disability in their policies for physicians and dentists who have limited their practice to a recognized specialty.