Select Professional and Medical Occupation Limits

Young Medical Limits (First 2 years) Guardian Ameritas MetLife Principal     The Standard
All Other M.D's. $6,500 $7,500 $7,500 $6,500 $6,500
Allergists $6,500 $7,500 $7,500 $6,500 $6,500
Anesthesiologists $6,500 $7,500 $7,500 $6,500 $6,500
Anesthetists MD or DO Only $6,500 $7,500 $7,500 $6,500 $6,500
Cardiologists $7,500 $7,500 $7,500 $7,500 $7,500
Certified Registered Nurse Anesthetist   $3,000 $3,000 $2,500 $4,000
Dermatologists $6,500 $7,500 $7,500 $6,500 $6,500
Emergency Room Physicians $6,500 $7,500 $7,500 $6,500 $6,500
Endocrinologists $6,500 $7,500 $7,500 $6,500 $6,500
Family Practice Physicians $6,000 $7,500 $7,500 $6,500 $6,500
Gastroenterologists $7,500 $7,500 $7,500 $7,500 $7,500
General Practice $6,000 $7,500 $7,500 $6,500 $6,500
Geneticists $6,000 $7,500 $7,500 $6,500 $6,500
Geriatricians $6,000 $7,500 $7,500 $6,500 $6,500
Immunologists $6,500 $7,500 $7,500 $6,500 $6,500
Internists $6,500 $7,500 $7,500 $6,500 $6,500
Neonatologists $7,500 $7,500 $7,500 $7,500 $7,500
Nephrologists $6,500 $7,500 $7,500 $6,500 $6,500
Neurosurgeon $7,500 $7,500 $7,500 $7,500 $7,500
Nurse Practitioner $1,000 $3,000 $3,000 $3,000 $4,000
OBGYN $6,500 $7,500 $7,500 $6,500 $6,500
Oncologists $7,500 $7,500 $7,500 $7,500 $7,500
Optometrist $3,500 $7,500 $3,000 $4,000 $4,000
Orthopedic Surgeons $7,500 $7,500 $7,500 $7,500 $7,500
Otolaryngologist $7,500 $7,500 $7,500 $7,500 $7,500
Pain Management $6,500 $7,500 $7,500 $6,500 $6,500
Pediatrician $6,500 $7,500 $7,500 $6,500 $6,500
Ph.D. Psychologist $3,000 $7,500 $3,000 $3,000 $4,000
Physicians Assistant $1,500 $3,000 $3,000 $3,000 $4,000
Plastic Surgeons $6,500 $7,500 $7,500 $6,500 $7,500
Podiatrist $2,000   $2,500 $2,500  
Psychiatrists $6,000 $7,500 $7,500 $6,500 $6,500
Radiologists $7,500 $7,500 $7,500 $7,500 $7,500
Rheumatologists $6,500 $7,500 $7,500 $6,500 $6,500
Urologists $7,500 $7,500 $7,500 $7,500 $7,500
Medical Students/Residents Limits Guardian Ameritas MetLife Principal The Standard
M.D. Within 180 Days of Graduation $6,500 $7,500   $6,500 $6,500
Medical Fellow $5,000 $5,000 $5,000 $5,000 $5,000
Medical Intern $4,000 $5,000 $3,500 $5,000 $3,500
Medical Resident 1st & 2nd Year $5,000 $5,000 $5,000 $5,000 $5,000
Medical Resident 3rd & 4th Year $5,000 $5,000 $5,000 $5,000 $5,000
Medical Student 3rd & 4th Year $2,500 (4th) $2,500 $2,500 $2,500 $2,500
Optometrist $3,000 (4th) $3,000 (4th) $2,500 (4th) $4,000 $2,000 (4th)
Podiatrist $1,000     $2,500  
Specialist Within 180 Days of Graduation $7,500 $7,500   $7,500 $7,500
Young Dental Limits (First 2 Years) Guardian Ameritas MetLife Principal The Standard
General DDS $4,000 $5,000 $4,000 $5,000 $5,000
Orthodontist $7,500 $6,000 $6,000 $6,000 $6,000
Endodontist $6,000 $6,000 $6,000 $6,000 $6,000
Periodontist $6,000 $6,000 $6,000 $6,000 $6,000
Prosthodontist $6,000 $6,000 $6,000 $6,000 $6,000
Pediatric Dentists $6,000 $5,000 $4,000 $5,000 $6,000
Maxillofacial/Oral Surgeons $7,500 $6,000 $6,000 $6,000 $7,500
Dental Students/Residents Limits Guardian Ameritas MetLife Principal The Standard
Dental Resident $3,500 $4,000 $4,000 $4,000 $4,000
Dental Specialist Graduating Within 180 Days $6,000     $6,000 $6,000
Dental Student 3rd & 4th Year $2,100 (4th) $2,500 $2,500 $2,500 $2,500
Dental Student/Resident Graduating Within 180 Days $4,000     $5,000 $5,000
Non Medical Starting in Practice Limits Guardian Ameritas MetLife Principal The Standard
Accountant/CPA $3,000 $4,000 $4,000 $4,000 $4,000
Architect $3,000 $4,000 $4,000 $4,000 $4,000
Attorney $3,000 $4,000 $4,000 $4,000 $4,000
Business Professionals - MBA Degree $2,000   $3,000    
Computer Scientists $2,000   $3,000   $4,000
Engineer $3,000 $4,000 $4,000 $4,000 $4,000
Pharmacist $3,500 $4,000 $4,000 $4,000 $4,500
Vetertinarian $3,000 $4,000 $4,000 $4,000 $4,000
Non Medical Student Limits Guardian Ameritas MetLife Principal The Standard
Accountant/CPA Students $1,500 (4th)   $2,500 (4th)   $2,000
Architect, Engineer Students $1,500 (4th)   $2,500 (4th)   $2,000
Computer Science Student $1,000 (4th)   $2,500 (4th)   $2,000
Law Students 3rd or 4th Year $3,000 $3,000 (4th) $2,500 (4th) $2,000 $2,000
MBA Program Student $2,000 (4th)   $2,500 (4th)    
Pharmacist Resident/Intern $1,500 $2,000 $2,500 $1,500 $2,500
Pharmacy Students $1,500 $2,000 $2,500 (4th) $1,500 $2,500 (4th)
Veterinarian Student/Resident/Intern $2,000 $2,500 (4th) $2,500 (4th) $2,000 $2,500

 

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