As a dentist, you have a 1 in 4 chance of becoming disabled.1
Even common chronic illnesses and injuries can be enough to keep you from practicing dentistry long enough
to potentially cause major financial hardship. If you had to stop working for an extended period of time,
could you and your family afford the financial loss? If not, it’s time to consider the
ADA Disability Income
Protection Insurance Plan.
The Disability Income Protection Insurance Plan is available only to ADA members at exclusive rates.
This insurance plan uses an “own occupation” definition of disability. This means we provide full benefits,
payable up to age 67, if you are totally disabled and unable to practice your specialized area of dental practice,
even if you are able to work in another area of dental practice or choose to enter a new profession.
The amount of disability insurance you need is typically 60% of your net monthly income. You can apply for
up to $15,000/month or $180,000/year of Disability Income Protection to replace lost income.
Additionally, if you become disabled, think about how your practice will function without you. Personal
disability insurance will help cover your living expenses and personal income, but the
ADA Office Overhead Expense
Insurance Plan can help protect your practice.
The Office Overhead Expense Insurance Plan can pay up to $25,000/month to help cover important
business expenses such as:
Payroll for your staff
Monthly rent or mortgage payments
Utility and phone bills
A replacement dentist to cover for you while you’re out
Life and medical insurance premiums for your staff
Practice and student loan payments
Property and liability insurance premiums
Professional association dues
Protect the life and practice that you’ve worked hard to build. Both Disability Income Protection and Office
Overhead Expense are available to eligible ADA members up to age 60.
1Odds of disability determined by Great-West Financial in 2014 after studying years of disability
claims submitted by insured ADA members.