Whether you’re a dental professional in training or in practice, disability income insurance can protect your means of earning a living. In the event of an injury or illness, this important risk management tool can supplement your lost income while you are unable to work.
Since health and age are both important factors when obtaining this type of policy, the time to think about protection is now.
Understand what the details and coverage of a policy could mean for you. Then, customize a policy that’s right for where you are in your career, with comprehensive options for your income scenario and the diverse circumstances that could affect it.
Our team can help you understand and explore disability income insurance for dental professionals, to find the right fit for you and your budget.
Non-Cancelable and Guaranteed Renewable mean that the terms of your policy can’t be changed or canceled by the insurer, as long as premiums are paid on time.
Level Premiums provide consistent premium pricing from the time your policy begins, until age 65. If coverage is increased, the cost for the new coverage will be added to your original cost.
Graded Premiums begin with a lower premium cost and increase annually. Graded premiums can be changed to level premiums in future when they can be more easily afforded.
Future Insurability Options allow you to increase your coverage amount as your income grows, regardless of your health.
Partial Disability Coverage enables you to see patients part time and work a reduced number of hours, if you’re able to, while still receiving benefits for a partial disability.
Cost of Living Adjustments keep disability benefits consistent with inflation through annual increases.
Own Occupation is a definition of disability covering disabilities that prevent you from working in the specific occupation you’ve been trained for and are currently working in.