Disability Insurance

Disability Insurance is designed to replace a portion of one’s income if he/she becomes disabled due to accident or illness and cannot perform the duties of their regular occupation. 

Own Occupation for Entire Benefit Period

This type of coverage allows a surgeon who becomes disabled, for instance, to go back to work in the field of internal medicine and still continue to receive his or her disability claim as a surgeon. 

NOTE: The MSMS PIA preferred carrier is one of the very few that still offers this type of coverage.