UNDERWRITING

Insurability of our members is determined through a careful review of medical and/or financial characteristics. Concerning all of the ADA Insurance Plans, underwriting standards are the same for every member of the group. To minimize risk and keep rates consistent for all Plan participants, members with specific conditions may be excluded from coverage.

Once all necessary information and exam results are received, the entire application process usually takes between 2-3 weeks. At that point, Great-West Life will define your application as one of the following:

Underwriting requirements are subject to change without notice.

ADA Insurance Plans	Type of Underwriting Required
	Medical	Financial
Term Life
Term Plus® Universal Life
Income Protection
Office Overhead Expense
MedCASHSM 1
Student Term Life2
Student Disability3

1	Basic levels of coverage are available without proof of good health. MedCASH 100 (Critical Condition Coverage) is subject to approval based on your answers to a brief medical questionnaire.
2	$50,000 of coverage under the Term Life Plan is available to dental students under age 40 without proof of good health if they enroll by April 30 of the year prior to their graduation. Any additional coverage requested, enrollment after the eligibility deadline, or enrollment by a student age 40 or older will be subject to medical underwriting.
3	Up to $2,000 in monthly Student Disability coverage is available to dental students under age 40 without proof of good health. After the student’s 40th birthday, medical underwriting may be required.