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Disability Income Insurance Knowledge Center for Physicians and Dentists

This center was developed for physicians and dentists to provide information and promote understanding of disability income (DI) insurance.
TEST YOUR DI KNOWLEDGE
DI FACT OR FICTION QUIZ
EXPLORE YOUR PERSONAL SITUATION
DI DIAGNOSTIC CHECKUP
Test your knowledge of disability income insurance ‑ take the DI Fact or Fiction Quiz to see if your expectations match the reality of "own occ" coverage.
Explore your personal situation ‑ Use the DI Diagnostic Checkup tool to understand how Northwestern Mutual's Medical Occupation Definition works versus "own occ" definitions in the event of a disability.
Quiz Tab Selected Quiz Tab Unselected Checkup Tab Selected Checkup Tab Unselected
Fact or Fiction? Read the following statements about how "own occ" disability income insurance works and decide if you think each is a "Fact" or "Fiction".
STATEMENT 1
STATEMENT 2
STATEMENT 3
If I could not perform my principal medical duty, the one that's my
"bread and butter," I'd be considered totally disabled under an
"own occ" policy.
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Fiction Button
This is actually a fiction...
Typically most dentists and physicians have more than one principal duty that generates income.
To be totally disabled under traditional "own occ" disability income insurance definitions, you would have to be unable to do ALL of your principal duties.
Proceed Button
Correct!
Typically most dentists and physicians have more than one principal duty that generates income.
To be totally disabled under traditional "own occ" disability income insurance definitions, you would have to be unable to do ALL of your principal duties.
Proceed Button
With a traditional "own occ" policy, if I was totally disabled and could
not perform all of my duties, I would be able to work in another
occupation and make an unlimited amount of money.
Fact Button
Fiction Button
Correct!
With a traditional "own occ" policy it is permissible to be totally disabled and work in another
occupation without having disability benefits reduced by earnings in the new occupation.
However, what type of disability would prevent you from doing all of your principal
duties, and in what other type of occupation could you then work and earn a
meaningful amount of income?
Proceed Button
This is actually a fact...
With a traditional "own occ" policy it is permissible to be totally disabled and work in another
occupation without having disability benefits reduced by earnings in the new occupation.
However, what type of disability would prevent you from doing all of your principal
duties, and in what other type of occupation could you then work and earn a
meaningful amount of income?
Proceed Button
If I can do some, but not all, of my principal duties, I can stop working and receive my full benefit with a traditional "own occ" policy.
Fact Button
Fiction Button
This is actually a fiction...
One reality of traditional "own occ" is you must continue to work in order to receive
a benefit when partially disabled.
With Northwestern Mutual's new Medical Occupation Definition of disability, in specific
circumstances you have flexibility to stop working altogether and receive your full
monthly benefit or to continue gainful employment and receive
a proportionate benefit.
Correct!
That's one reality of traditional "own occ" ‑ you must continue to work in order to receive a
benefit when partially disabled.
With Northwestern Mutual's new Medical Occupation Definition of disability, in specific circumstances you have flexibility to stop working altogether and receive your full monthly
benefit or to continue gainful employment and receive a proportionate benefit.
Enter Checkup
To explore the best solution for your personal situation.
If you're ready to speak to a financial representative.
Fill in the fields below based on your circumstances to see how Northwestern Mutual's "Medical Occupation Definition" Compares with typical "own occupation" definitions at time of claim.
STEP 1
STEP 2
STEP 3
Please Adjust Percentages
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Please adjust your percentages so they do not exceed 100%.
What is your percentage of time spent on the following duties?
% for procedures
  What's this? What's This? Procedures
% for non‑procedures
  What's this?
What's This? Non-Procedures
% for other
  What's this?
What's This? Other
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What is your percentage of revenue based on these duties?
% for procedures
  What's this?
What's This? Procedures
% for non‑procedures
  What's this?
What's This? Non-Procedures
% for other
  What's this?
What's This? Other
Proceed Button
Time Spent on Duties
% Procedures
% Non‑Procedures
% Other
Percentage of Revenue
% Procedures
% Non‑Procedures
% Other
Select a disability scenario to explore:
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No longer able to do Procedural Patient Care ‑ but able to do everything else
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No longer able to do Non-Procedural Care ‑ but able to do everything else
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No longer able to do Any Duties (both patient care and other duties)
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Procedures
Surgical interventions and non‑surgical invasive interventions for which you bill using CPT or ADA billing codes.
Non‑Procedures
Other than surgical interventions and non‑surgical invasive interventions for which you bill using CPT or ADA billing codes.
Other
Administration, teaching, consulting, research, public speaking, or other duties for which you receive earned income, not using CPT or ADA billing codes.
Time Spent on Duties


Percentage of Revenue


Type of Disability
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Typical "Own Occupation" Definition
Totally disabled from your occupation
  • If not working in any occupation, you would be eligible to receive full benefit.

  • If working in another occupation, you would be eligible to receive full benefit, regardless of income.
But considering you are no longer able to do any duties of your occupation....
  • What else would you be able to do?
  • What else would you want to do?
  • What else would you be able to do that would bring you significant income?
Partially disabled from your occupation
  • The fact that you are unable to do your procedural patient care duties would not make you totally disabled as long as you are able to do your other principal duties.

  • In this case you would need to work in order to receive a proportionate benefit. If you did not work, you would receive no benefit.
Partially disabled from your occupation
  • The fact that you are unable to do your non‑procedural patient care duties would not make you totally disabled as long as you are able to do your other principal duties.

  • In this case you would need to work in order to receive a proportionate benefit. If you did not work, you would receive no benefit.
Partially or totally disabled from your occupation?
  • The details you have selected make it difficult to predict how you would be considered if you faced this type of disability. You may be partially or totally disabled depending on the circumstances of the claim and your insurance carrier's assessment.
Partially disabled from your occupation?
  • The details you have selected make it difficult to predict how you would be considered if you faced this type of disability. If you are unable to do your non‑procedural patient care duties, you may be partially disabled depending on the circumstances of the claim and your insurance carrier's assessment.
Partially disabled from your occupation?
  • The details you have selected make it difficult to predict how you would be considered if you faced this type of disability. If you are unable to do your procedural patient care duties, you may be partially disabled depending on the circumstances of the claim and your insurance carrier's assessment.
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Medical Occupation Definition
Totally disabled, if not gainfully employed
  • If not working in any occupation, you would be eligible to receive full benefit.

  • If working in another occupation, you would be eligible to receive:
    • Full benefit if earning less than 20% of pre‑disability earned income or

    • A proportionate (or proportionately reduced) benefit if you earn 20%‑80% of your pre‑disabilty earned income.
Partially disabled
  • The fact that you are unable to do your procedural patient care duties would not make you totally disabled as long as you are able to do your other principal duties.

  • In this case you would need to work in order to receive a proportionate benefit. If you did not work, you would receive no benefit.
  • If more than 50% of your time was spent on patient care duties, you might have more flexibility under this definition.
Partially disabled
  • The fact that you are unable to do your non‑procedural patient care duties would not make you totally disabled as long as you are able to do your other principal duties.

  • In this case you would need to work in order to receive a proportionate benefit. If you did not work, you would receive no benefit.
  • If more than 50% of your time was spent on patient care duties, you might have more flexibility under this definition.
Totally disabled, if you choose to discontinue gainful employment
  • Since more than 50% of your patient care charges come from performing procedures, and you are now unable to do the principal procedures of your practice, you will have flexibility to:
    • Continue working and receive a proportionate benefit, OR

    • Discontinue gainful employment, and receive your full monthly benefit.
Partially disabled
  • Since more than 50% of your patient care charges come from performing procedures, the fact that you are unable to do your non‑procedural patient care duties would not make you totally disabled as long as you are able to do your other principal duties.

  • In this case you would need to work in order to receive a proportionate benefit. If you did not work, you would receive no benefit.
Partially disabled
  • Since more than 50% of your patient care charges come from non‑procedural duties, the fact that you are unable to do procedures would not make you totally disabled as long as you are able to do your other principal duties.

  • In this case you would need to work in order to receive a proportionate benefit. If you did not work, you would receive no benefit.
Totally disabled, if you choose to discontinue gainful employment
  • Since more than 50% of your patient care charges come from performing non‑procedural patient care, and you are now unable to do the principal duties of your practice, you will have flexibility to:
    • Continue working and receive a proportionate benefit, OR

    • Discontinue gainful employment, and receive your full monthly benefit.
Partially disabled
  • Since your patient care charges are split evenly between procedures and non‑procedures, you would be considered partially disabled, and you would need to work in order to receive a proportionate benefit. If you did not work, you would receive no benefit.
  • If more than 50% of your patient care charges came from procedures, you would have flexibility to:
    • Continue working and receive a proportionate benefit, OR

    • Discontinue gainful employment, and receive your full monthly benefit.
Partially disabled
  • Since your patient care charges are split evenly between procedures and non‑procedures, you would be considered partially disabled, and you would need to work in order to receive a proportionate benefit. If you did not work, you would receive no benefit.
  • If more than 50% of your patient care charges came from procedures, you would have flexibility to:
    • Continue working and receive a proportionate benefit, OR

    • Discontinue gainful employment, and receive your full monthly benefit.
NM's partial disability feature may have a distinct advantage for you, since income loss typically lags behind a loss of time and/or duties.
  • We are the only disability income carrier that does not require you to demonstrate a loss of earned income during the first six months that a proportionate benefit is payable.
  • As a result, you might be eligible for partial benefits from us before meeting the eligibility requirements of another carrier.
  • Additionally, NM's partial disability feature may have a distinct advantage for you, since income loss typically lags behind a loss of time and/or duties.
Partially or totally disabled?
  • The details you have selected make it difficult to predict how you would be considered if you faced this type of disability. You may be partially or totally disabled depending on the circumstances of the claim and your insurance carrier's assessment.
Partially disabled?
  • The details you have selected make it difficult to predict how you would be considered if you faced this type of disability. If you are unable to do your non‑procedural patient care duties, you may be partially disabled depending on the circumstances of the claim and your insurance carrier's assessment.
Partially disabled?
  • The details you have selected make it difficult to predict how you would be considered if you faced this type of disability. If you are unable to do your procedural patient care duties, you may be partially disabled depending on the circumstances of the claim and your insurance carrier's assessment.
Please note: This tool is intended only for Physicians and Dentists in all states except California. If you are not a Physician or Dentist, or you reside in California, click here to learn more about Northwestern Mutual's disability income insurance.

*U.S. Patent No. 8,775,216, issued on methods and systems for processing insurance claims in accordance with disability income insurance policies the scope of which cover the Medical Occupation Definition of disability

Northwestern Mutual is the marketing name for The Northwestern Mutual Life Insurance Company, Milwaukee, WI (NM) (life and disability insurance, annuities) and its subsidiaries. www.northwesternmutual.com
Please note: This tool is intended only for Physicians and Dentists in all states except California. If you are not a Physician or Dentist, or you reside in California, click here to learn more about Northwestern Mutual's disability income insurance.

*U.S. Patent No. 8,775,216, issued on methods and systems for processing insurance claims in accordance with disability income insurance policies the scope of which cover the Medical Occupation Definition of disability

Northwestern Mutual is the marketing name for The Northwestern Mutual Life Insurance Company, Milwaukee, WI (NM) (life and disability insurance, annuities) and its subsidiaries. www.northwesternmutual.com
Please note: This tool is intended only for Physicians and Dentists in all states except California. If you are not a Physician or Dentist, or you reside in California, click here to learn more about Northwestern Mutual's disability income insurance.

*U.S. Patent No. 8,775,216, issued on methods and systems for processing insurance claims in accordance with disability income insurance policies the scope of which cover the Medical Occupation Definition of disability

The information presented is for illustrative purposes only, and is based on data you entered. At the time of claim we look to your regular occupation and principal duties, the ability to perform the principal duties of your regular occupation is one of the factors that determines eligibility for benefits. Actual determinations of disability depend on the specific circumstances of each case and the terms of the contract. The outcomes presented assume you otherwise qualify for benefits. Policies have exclusions and limitations. Consult a Northwestern Mutual financial representative for further information, including premium and details of coverage.

Northwestern Mutual is the marketing name for The Northwestern Mutual Life Insurance Company, Milwaukee, WI (NM) (life and disability insurance, annuities) and its subsidiaries. www.northwesternmutual.com