Since the doctor works for one or more other doctors, it is important that the chief of the doctor cannot unilaterally declare that the doctor is disabled. Sometimes a medical employment contract circumvents this problem by providing that the doctor is considered disabled for the purposes of the agreement if the doctor`s disability insurance treats him as disabled. This alternative is better than allowing the employer to unilaterally determine a disability, but it is not as good as the agreement that a consensual doctor will make the decision. The physician must confirm that disability insurance defines a disability as an inability to work in the physician`s „own profession.“ It simply means that a doctor is considered disabled (and therefore entitled to medical disability benefits) if the doctor is unable to practice medicine. . . .