According to a press release today, one of the largest disability insurance companies has expanded its definition of own occupation disability insurance for physicians. According to the disability insurance press release: “A leading disability insurance company has made significant upgrades in occupation definitions for ALL physicians and for numerous executive and other professional occupations. Because of these changes, this company’s industry – leading disability insurance portfolio will become even more competitive, thanks to these sweeping improvements.How dramatic are these changes?Physicians who in the past could get only a 5 year true own occupation definition of disability will now be able to obtain a true own occupation definition to age 65. This includes all surgeons, emergency room doctors, anesthesiologists and any physician with invasive duties. Oral surgeons will also now have this available which means any and all dentists will be able to have a true own occupation definition.Many physicians with no invasive duties will now be able to receive up to a 20 percent decrease in premium.”