A mutual insurer is trying to make its income protection products easier for doctors and dentists to understand.

Northwestern Mutual Life Insurance Company, Milwaukee, says focus group studies it organized showed that the definition of “own occupation” disability usually used confuses doctors and dentists.

Northwestern Mutual has responded by creating a new definition that, in some situations, will let insured physicians and dentists choose between continuing to work and receiving a partial benefit, or not working at all and receiving full benefits.

Northwestern Mutual also has developed a Web tool that gives physicians and dentists the ability to compare how Northwestern Mutual’s definition compares with other definitions of total disability at the time of claim.