With the ADA Insurance Plans, you're assured personal attention to your insurance needs. We are dedicated to providing you with helpful information, assistance, and service.
You can access information and tools for a number of reasons, including:
If ever you prefer to contact us directly for information or assistance, you can reach us at ada@gwl.com or 800-568-2001 (weekdays from 7:00 am to 5:00 pm Mountain Time). Please understand that we may ask you to verify your identity to protect your privacy. Note: For privacy and security reasons, your customer records are not available online. Click here to learn more about our privacy practices.
The administration and management of the ADA Insurance Plans is handled by a seasoned team at Great-West Life that works exclusively with ADA members. In fact, chances are good you've spoken with one or more of our staff members already — almost half of them have been working with ADA members for more than 10 years!
Our full-service staff includes Client Service Representatives, Plan Specialists, Underwriters, Case Managers, and Claims Consultants — knowledgeable experts who can help you efficiently and reliably, and who are dedicated to providing you with excellent customer service.
One dentist says:
If I have a question, I pick up the phone, call Great-West Life toll-free, and a Plan Specialist either answers my question right away or gets back to me with the information I need. No matter who I talk to, they're always respectful, personable, and thorough.
Any time you want to assess your insurance needs, gather information, or learn how to put your insurance to practical use, a Plan Specialist can help. Plan Specialists are non-commissioned professionals whose sole job is to provide you with objective guidance in selecting the types and amounts of coverage you need. You can get straightforward answers to your questions about insurance, along with specific information about any of the ADA-sponsored group insurance policies at 866-607-5338. A Plan Specialist can also help you devise a long-term plan for personal insurance protection that is appropriate, cost-effective, and in your best interests. Note: Because Plan Specialists don't receive sales commissions, your needs and priorities remain their focus at all times. They can even help you compare our Plans with policies you find elsewhere — in a no-pressure, no-hassle environment.
At your convenience, you can download and print many forms right here. To find the form you are looking for, click on a category below:
Instructions for completing and submitting your request are provided on each form. Most requests require your signature, and some forms will require follow-up communication or paperwork. If you have questions, contact us at 800-568-2001 or ada@gwl.com for assistance.
Request a complimentary planning kit, tutorial, reference guide, or publication from our extensive Resource Library, and get even more than insurance protection from the ADA Insurance Plans. Indicate your selection(s) on our online request form so we can mail you the materials you'd like. You can even request a private, no-obligation consultation with a Plan Specialist to discuss your coverage needs and/or review your insurance portfolio.
One dentist says:
When my carpal tunnel syndrome progressed to the point where it was impossible for me to safely hold and use my dental instruments, Great-West Life made it very easy for me to file for disability benefits. Everything they asked for was reasonable. And my claims representative made me feel like I was her only client. She always returned my calls promptly, always told me in plain terms what further documentation was needed, and always was pleasant, knowledgeable, and helpful. I think that's because Great-West Life takes its relationship with the ADA very seriously.
You can get a quote for coverage under any ADA-sponsored Plan by using our handy Online Quote calculator. Simply input a few variables to customize your desired coverage, and a comprehensive quote will be calculated instantly. If you'd prefer to get a quote over the phone or discuss your special circumstances, call 866-607-5338 to speak with a Plan Specialist.
You can apply for additional coverage under any Plan until you reach age 60 (or age 65 for Term Life or Term Plus), provided you are an ADA member in good standing and satisfy any Plan-specific eligibility requirements. You may also enhance any existing insurance with optional coverage as provided by each Plan. Click here to learn more about options, maximum coverage amounts, and eligibility guidelines for each Plan.
While your application is being reviewed through the underwriting process, we make sure that everything is in order by coordinating details, arranging for medical tests, and communicating with you as needed. This attention to detail translates into swift and accurate service that is consistent with the ADA's high standards.
Upon approval of your application, you will receive a Certificate of Insurance that outlines all the terms and provisions of your coverage. Your Certificate includes a personalized insert page that specifies your coverage amount and any option(s) elected. Whenever you modify your coverage, you will receive a replacement Certificate insert that reflects the recent change.
Please note: When you apply for coverage specifically to provide collateral for a loan, we do our best to expedite your application internally so your loan application can proceed without delay. We can even provide your lender with documentation to support the loan approval process.
Answers to common questions about the application process are available in the Frequently Asked Questions section of this web site.
Upon underwriting approval, you will be billed an interim premium amount from the date your coverage is effective until the first regular billing period. Your renewal premiums will then be due on the schedule that applies to your Plan of insurance. By paying your renewal premium, you are attesting that you meet all of the eligibility requirements to continue your insurance under that Plan.
All ADA-sponsored coverage is renewable on a semi-annual basis, although you may choose to pay premiums on other frequencies too. Refer to the table below for Plan-specific options.
You may choose to be direct-billed via routine premium notices, or you may elect Autopay to have premiums automatically deducted from your checking or savings account. Autopay is available for all Plans on a semi-annual or monthly basis (and also on an annual basis for the Term Life and Term Plus® Universal Life Plans). For the monthly Autopay option, you can select withdrawals on either the 1st of the month or the 10th of the month. Any time your Autopay withdrawal amount will change (due to your advancing age, a change in the Premium Credit, etc.) you will be notified before the actual withdrawal is made.) Note: All premiums paid monthly via Autopay will include a 2% administrative fee.
You can also charge any insurance premium to your MasterCard or Visa credit card by calling 800-568-2001, Monday through Friday, 7:00 am to 5:00 pm Mountain Time. This premium payment option gives you greater flexibility and there is no additional cost to pay your premium by credit card.
Every premium notice you receive will reflect the current Premium Credit discount applicable for that Plan, which reduces your cost of insurance for the specified billing period. The Premium Credit is extended to you in advance, which means your premium is discounted at the beginning of the billing cycle. Your premium notice will indicate the dollar amount of the current Premium Credit discount (and any other applicable discount) so you can quantify your savings.
All participants in a particular Plan are billed at the same time, approximately one month prior to the premium due date. (Participants who elect to pay premiums via Autopay will have their premiums deducted on the date premiums are due based on the frequency elected.) The billing schedule and options are illustrated here.
| Plan | Premium Due Dates by Payment Frequency | |||
|---|---|---|---|---|
| Annually | Semi-Annually | Quarterly | Monthly* | |
| Term Life |
January 1
or July 1 |
January 1
and July 1 |
N/A |
1st or 10th of
every month |
|
Term Plus® Universal Life |
January 1 or July 1 |
January 1
and July 1 |
January 1, April 1, July 1, and October 1 |
1st or 10th of
every month |
| Income Protection | N/A |
May 1 and November 1 |
N/A |
1st or 10th of
every month |
|
Office Overhead Expense |
N/A |
February 1 and August 1 |
N/A |
1st or 10th of
every month |
| MedCASH | N/A |
April 1 and October 1 |
N/A |
1st or 10th of
every month |
* Monthly premium payment is available only through Autopay. Click here to download an Autopay enrollment form. You may also elect Autopay for any other payment frequency available.
Answers to common questions about premium payments are available in the Frequently Asked Questions section of this web site.
You have chosen ADA-sponsored insurance to help provide financial security for you and your family. In the event that you need to file a claim for insurance benefits, we are here for you.
Every year, around $80 million in cash benefits are paid to ADA members and their families or to other designated beneficiaries through the ADA Insurance Plans. Our reputation for promptness, fairness, and compassion in paying claims — in addition to the objective assessments by independent ratings services regarding our financial strength and claims-paying ability — can give you confidence in your coverage.
Should you (or your beneficiary) need to file a claim, we can assist you throughout the submission process. Your Claims Consultant will personally review your claim, offer as much guidance and support as you need, and respond to your request as quickly as possible. In fact, your Claims Consultant is available whenever you have questions, concerns, or want to discuss your situation in detail.
To file a claim, simply obtain and complete the appropriate claim form (available online or by contacting us at 800-568-2001), and then submit it to Great-West Life along with whatever supporting documentation is required. Depending on the type of benefit requested, that documentation may include such things as a physician's report, death certificate, or federal income tax return.
Payment of benefits is subject to approval based on the qualifications outlined in your Certificate(s). For additional information about claims procedures or policies, contact us at 800-568-2001 or ada@gwl.com. Answers to other questions about claims are available in the Frequently Asked Questions section of this web site.
Because you are the customer, your opinions and ideas are important to us. We are always striving to improve our products and service based on your feedback. In fact, comments from members like you have led to numerous enhancements in the ADA Insurance Plans over the years. We welcome your input and the opportunity to make this insurance even more valuable to you and your family.
Any time you wish to share a compliment or complaint, or suggest new product ideas, we hope you will let us know. Contact us at 800-568-2001 or ada@gwl.com at your convenience.
Your satisfaction is guaranteed when you purchase coverage through any of the ADA Insurance Plans. Upon receipt of your first premium payment, you will be mailed a Certificate of Insurance to file with your important documents. You may review the Certificate for 30 days, and if you are not entirely satisfied with all the terms and provisions of the particular Plan, any premium you paid will be fully refunded upon your request.
Exceeding your expectations is our primary goal, whether by offering extraordinary insurance coverage, presenting surprisingly affordable rates, or providing exceptional customer service.