Mental & Nervous and Drug & Alcohol (MNDA) Provisions
Doctors face a significant amount of stress due to the daily grind and demands of their profession. This stress can often lead to burnout.
Most group disability contracts rely on lifetime limitations to MNDA contract limitations in order to save costs.
Disability Guard for DoctorsTM includes a per-occurrence MNDA provision. With a per-occurrence provision, if an insured suffers from an MNDA disability, fully recovers, but then relapses six months after the recovery date, they will be eligible for another 24 months of MNDA benefits.