re: Anybody have any experience with Northwestern Mutual?

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Whose?

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NW's

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Losing the ability to perform one principle duty would make me unfit to practice emergency medicine. Unlike other doctors, I can't restrict specific aspects of my practice. I must be able to perform all duties every shift. Won't be able to be another type of doc or make similar income in another career.
You're saying NM has better policy for this specific situation? Because I was always skeptical about not having my specific field noted in the policy.

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Well, it would depend on what your principle duties are, and I would have to do a little more research into your specific field, as I haven't done a whole lot of work with emergency room docs, but what it sounds like is that if you became disabled due to sickness or injury, it is most likely that you wouldn't be able to perform any of your duties. If you think you would be able to earn over 20% of your current income in another field after the disability, then I would say NW's MED OCC definition wouldn't be best.

Where your situation does become tricky is what happens if you are disabled and still able to perform some of your principle duties. You probably wouldn't be able to work, but from my understanding, most own occ definitions would consider this just partially disabled, and you would have to be gainfully employed to receive partial benefits. That is where I would need to do some more research for you, because that is definitely a unique situation.

Hope I could clarify some things up a little bit.