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, now may be an appropriate time to think about protection.
Video: Top 3 FAQs about Disability Income Insurance
Treloar & Heisel and Treloar & Heisel Property and Casualty are divisions of Treloar & Heisel, Inc.
Insurance products are offered through Treloar & Heisel, Inc.
This information is intended for general informational purposes only and should not be construed as advice. Please consult with a licensed insurance professional.
20-032, 20-033, 20-034
Plan for the Present and the Future
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 appropriate fit for you.
Disability Income Insurance Options at a Glance:
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 typically 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 help try to 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.
Video: Group Disability Insurance
Treloar & Heisel and Treloar & Heisel Property and Casualty are divisions of Treloar & Heisel, Inc.
Insurance products are offered through Treloar & Heisel, Inc.
These definitions are provided for general informational purposes only and are not binding. For the binding definitions, please review your insurance policy contract. Definitions may vary. Please consult with a licensed insurance professional.
20-044
