OB-GYN & disability insurance

Occupation class notes

Blends office-based care with surgical delivery and on-call demands — some carriers apply modest loading versus purely outpatient specialties.

Own-occupation & rider considerations

OB-GYN combines office-based gynecologic care with surgical delivery duties and unpredictable on-call demands, which is part of why some carriers apply modest rate loading relative to purely outpatient specialties.

A strong own-occupation definition matters specifically here: a physical limitation that ends the ability to perform deliveries or surgery doesn't necessarily end the ability to practice outpatient gynecology, and any-occupation coverage could leave a real gap in exactly that transition.

A residual rider is relevant given the plausible scenario of shifting from a full OB/GYN practice to a gynecology-only practice after an injury, rather than stopping work altogether.

Run your own numbers, pre-filled for ob-gyn, in the coverage gap calculator.