Final answer:
A surgeon with a neurological condition affecting his arm may receive disability benefits if he can't perform surgery for 5 years, and further benefits if, afterwards, he's unable to work in any occupation relevant to his training and experience.
Step-by-step explanation:
The benefits a surgeon with a neurological problem in his arm could expect from his disability policy are primarily based on his ability to perform his occupational duties. If he is unable to perform the essential duties of his occupation as a surgeon due to his condition, he would qualify for benefits if the condition lasts for the stipulated 5 years. After that, if he is also unable to engage in any occupation for which he has education, training, or experience, he would continue to receive benefits.
Therefore, since the surgeon can practice internal medicine, he may not qualify for benefits after the initial 5-year period if his disability policy considers internal medicine as an occupation within his training and experience. However, if his neurological condition deteriorates and affects his ability to practice any form of medicine or any other occupation he is qualified for, he could qualify for further benefits.
Benefits are typically designed to replace a portion of the insured's lost income. The specifics of how much and for how long he might receive such benefits would depend on the exact terms and conditions of his disability insurance policy.