Ophthalmologists invest wisely when they purchase an individual disability insurance policy, which pays an insured ophthalmologist who becomes disabled up to 60 percent of his or her income. In addition, you can protect your ability to work with an own occupation specific policy that pays benefits even if you are disabled but can work in another specialty. Whether you are an ophthalmic surgeon or practice in any sub-specialty dealing with the eye, disability insurance is a valuable asset that protects your future income, no matter what challenges you may encounter.