[99 44/100% pure]

I'm guessing the cardiologist had some sort of disability insurance he/she paid for, to provide compensation in the event he/she was no longer able to do the job. Many professionals carry such insurance. In this case, it may have been just what Wolf noted, that arthritis may be considered part of the normal aging process. However, in extreme cases, or with early onset, there may be a claim that this is a disability that prevents the Doc from earning an income. Of course, I don't know a damned thing about this case, so .... nevermind.