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[quote=Anonymous]The key thing with disability for doctors is it has to be “own occupation” or else it won’t really pay out, they will just tell you to do something else within medicine. Like if you’re a surgeon and hurt your hand they will insist you practice primary care. Mine is Guardian own occ and it costs $450/month. Was less during fellowship. It’s best to get before you have any medical issues with a clause that says you don’t have to get re-examined for future increases in coverage.[/quote]
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