Your ADA membership gives you exclusive access to several types of group insurance through the ADA Insurance Plans — and an opportunity to spend significantly less on the personal insurance you need to protect your family, income, and practice. Coverage for your immediate family members is also available where noted. For further information, click on the Plan links in the table below.
These Plans are periodically updated to offer the most competitive rates, coverage provisions, and overall value. All policy changes and enhancements are approved by the ADA Council on Members Insurance and Retirement Programs. You can view the latest product news for each Plan to pinpoint key changes, or contact us at 866-607-5338 or ada@gwl.com for additional information.
Key to coverage availability:
= Member
= Spouse or Domestic Partner
= Dependent Child
= Member + Spouse + Dependent Child
| LIFE | DISABILITY | MEDCASH | STUDENT |
|---|---|---|---|
|
Term Life
Yearly renewable term life insurance coverage to age 81, with age-specific rates. Volume discounts available, along with coverage for your spouse or Domestic Partner and dependent children.
|
Income Protection
Total and partial disability coverage to replace your income. Pays "own occupation" benefits all the way to age 65, with no reductions for income earned outside dentistry. Choice of several coverage options.
|
MedCASH
Supplemental medical coverage that pays cash for each day you or a covered family member (including spouse or Domestic Partner and dependent children) is hospitalized or first diagnosed with a critical condition.
|
Term Life
FREE! $50,000 of term life insurance. Provided by the ADA until the end of your graduation year. Sign up before May 1 of your graduation year. Additional coverage also available.
|
|
Term Plus Universal Life
Permanent life insurance coverage to age 90, plus tax-deferred cash value accumulation. Guaranteed minimum interest of 4%. Volume discounts available.
|
Office Overhead Expense
Total and partial disability coverage designed specifically to protect your practice. Reimburses most business expenses to keep your practice operating during your disability. Pays "own occupation" benefits.
|
|
Student Disability
Total disability coverage. Pays "own occupation" benefits for two years and "any occupation" benefits for up to 5 additional years. Convertible to Income Protection Plan after graduation.
|
To apply for new or additional coverage under any of the ADA-sponsored insurance plans, you must be:
Your spouse or Domestic Partner under age 60 (or 65 for Term Life) and dependent children under age 21 can also apply for coverage where noted, as long as you are already participating in that Plan. If you are applying for new coverage, you may request dependent coverage at the same time if your dependents are eligible for coverage under that Plan.