What Is Own Specialty Disability Insurance? 
Own Specialty Disability Insurance is the feature of a Disability Insurance policy that enables a physician to receive the benefit if unable to perform the duties of their own specialty . E.g. . If a surgeon develops Parkinson 's Disease and is unable to control hand tremors enough to perform delicate surgery , they would collect on their DI policy even if they are still able to see patients in a clinic . It is similar to `` own occupation '' clause for persons who are not physicians . 