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Disability Insurance for Dental Students | ADA-Sponsored Insurance Plans for Dentists

Student Disability Plan

Insurance Plan

Quality disability insurance at no cost while you're a student — it doesn't get better than this!

Get this: If your education or career path is interrupted (or halted altogether) by disability, disabling illness or injury, this insurance can pay you cash every month to help cover student loans and living expenses.

Your most valuable asset isn't your bank account or investments — it's YOU! It's smart to protect the investment you're making in yourself and in your future as a dentist by getting disability insurance now, while you're young and healthy. Why is it a big deal? Because statistics show that 1 out of 4 dentists will be disabled long enough to collect benefits at some point before retirement1. Your future in dentistry could be lost if your ability to practice clinically becomes compromised.

The ADA knows the value of disability insurance to dentists which is why they provide group disability insurance to ADA student members at no cost as an ADA student member benefit. Your insurance will help you transition after dental school to your next career step, and can be renewed all the way into retirement! Coverage is provided at no cost to you through dental school and residency, so it's easy to take advantage and get better prepared for what lies ahead.

Features of the ADA Student Members Disability Insurance Plan include:

  • $2,000/month for up to 7 years
  • Up to $150,000 to help repay student loans
  • Coverage continues at no cost through December of the year you complete your studies
  • Opportunity to convert coverage as early as January of your graduation year to the more comprehensive coverage for ADA members who are practicing dentists: $2,000/month of Disability Income Protection insurance and $2,000/month of Office Overhead Expense insurance
  • Beginning in January of your graduation year, the ability to apply for an additional $3,000/month of Disability Income Protection insurance (after conversion) for a total of $5,000/month when combined with the $2,000/month of guaranteed-issue coverage

1Odds of disability determined by Great-West Life in 2013 after studying years of disability claims submitted by insured ADA members.

Coverage is issued regardless of your medical condition if you are under 45, but benefits are not payable, as defined by the respective policy, for disability resulting from a sickness, disorder, physical condition, or symptom that existed or was treated 12 months prior to enrollment.


Rates

Student Disability Plan - No Cost to ADA Student Members

The American Dental Association makes it possible for dental students to receive disability insurance at no cost during dental school. Why? Because the ADA knows you have many other financial obligations right now, but still need to safeguard your ability to earn an income from your chosen profession. It's a tangible way the ADA invests in YOU as the future of organized dentistry.

Protection for the future means peace of mind today.

"After making such a big investment in dental school, I wanted to have some income in case something happened. A disability can be temporary, but I also know that if something happened to my eyes or hands, I could be permanently prevented from practicing dentistry."

Martin Braud
Louisiana, 2007

Coverage is issued regardless of your medical condition if you are under 45, but benefits are not payable, as defined by the respective policy, for disability resulting from a sickness, disorder, physical condition, or symptom that existed or was treated 12 months prior to enrollment.


Features

Student Disability Plan Features

The ADA Student Members Disability Insurance Plan includes comprehensive features designed by ADA members exclusively for dental students:

  • Coverage: $2,000/month in disability coverage, and up to $150,000 to repay student loans
  • Two-year “own occupation” coverage: If you become totally disabled and unable to perform the normal duties of a full-time dental student, you can receive monthly benefits for up to 2 years. The two-year own occupation period is followed by “any occupation” period for up to 5 additional years, so you could receive benefits for an additional 5 years if you cannot perform the duties of any occupation for which you’re qualified. Note: After graduation, if you choose to convert your coverage to the ADA members disability insurance plans for ADA members who are practicing dentists, the "own occupation" provision expands and can provide benefits every month until you turn age 67.
  • Loan repayment benefit: If you can't complete dental school because of disability, you'll likely still have to repay much of what you borrowed to study dentistry. To help you repay that investment, the ADA Student Members Disability Insurance Plan provides up to $150,000 in student loan repayment benefits. This benefit may be available even if you no longer qualify for basic benefits under the plan, or are denied benefits from another loan repayment program.
  • Automatic renewal: Coverage renews automatically every academic year, providing you with uninterrupted protection as your career advances. Residents and students in post-doc programs have the option to renew the no-cost student coverage too.
  • 90-day waiting period: Under this insurance plan, you’re eligible for benefits after just 90 days of disability. Use the monthly benefits to help cover your living expenses, pay down your debts, or train for another career. You could even qualify for student loan repayment, depending on the length and severity of your disability.
  • Built-In Conversion: As early as January of your graduation year, your student coverage can convert to $4,000/month of combined, guaranteed-issue ADA members disability insurance — $2,000/month of Disability Income Protection insurance to guarantee monthly income if you can't practice dentistry, and $2,000/month of Office Overhead Expense insurance to help you repay student loans, practice loans, and other eligible professional expenses. These plans are for ADA members who are practicing dentists, and coverage can be renewed to age 70. Both conversion and ongoing renewal occurs without any medical exam. Should you decide not to convert early, you can continue your ADA student members disability insurance at no cost through your graduation year. In December of that year, you'll receive a premium notice in the mail. Simply pay that and maintain active ADA membership to convert your coverage.
  • Additional coverage: Beginning in January of your graduation year, you have the ability to apply for an additional $3,000/month of Disability Income Protection insurance (after conversion) for a total of $5,000/month when combined with the $2,000/month of guaranteed-issue coverage.

Coverage is issued regardless of your medical condition if you are under 45, but benefits, as defined by the respective policy, are not payable for disability resulting from a sickness, disorder, physical condition, or symptom that existed or was treated 12 months prior to enrollment.

Dentists:This website is not a contract. Benefits are provided under respective Group Policy Nos. (104TLP Annually Renewable Term Life, 1105GDH-IPP Disability Income Protection, 1106GDH-OEP Office Overhead Expense Disability, 104GUL Universal Life, 104LTLP Level Term Life, 1117GH-HIP Hospital Indemnity, 1127GH-CIP Critical Illness, and 1107GH-MCP MedCASHSM) filed in the State of Illinois in accordance with and governed by Illinois law, issued to the American Dental Association, and underwritten by Great-West Financial®. All ADA-sponsored coverage is subject to underwriting and is not guaranteed issue unless specifically stated otherwise. Coverage that is guaranteed issue is subject to a pre-existing condition limitation. The ADA is entitled to receive royalties from the ADA Members Insurance Plans. Coverage is available to all eligible ADA members and student members in all fifty states and U.S. territories under the aforementioned group policy. Level Term Life premiums are fixed based on the selected duration of 10 or 20 years. Must maintain membership throughout selected term. Annually Renewable Term Life, Hospital Indemnity, Critical Illness, and MedCASH premiums increase annually based on age. Recommended premiums under the Term Plus® Universal Life plan consist of the cost of insurance (which may vary based on the member’s age and coverage amount), the amount chosen by the member for deposit into his/her Policy Value Account and a service charge. Premium deposits may fluctuate or remain level depending upon the amount maintained in the Policy Value Account. Disability Income Protection premiums increase every 5 years and Office Overhead Expense every 10 years based on age. Premium credit for Annually Renewable Term Life and Term Plus Universal Life is not guaranteed but reevaluated annually. Premium credit for Disability Income Protection, Office Overhead Expense, Hospital Indemnity, Critical Illness, and MedCASH is not guaranteed but reevaluated semi-annually. Each Plan participant will receive a Certificate of Insurance explaining the terms and conditions of the policy.


Dental Students: This website is not a contract. Student coverage is issued regardless of your condition if you are under 45. If you are 45 or older, you can apply for the no-cost coverage and all student program features by providing proof of good health. Coverage renews automatically each academic year. Individuals may convert coverage to the plans for practicing dentists after graduation by paying ADA member premiums and maintaining ADA membership. Benefits are provided through a group policy Nos. (104TLP Term Life and 1108GDH-SDP Student Disability) filed in the State of Illinois in accordance with and governed by Illinois law, issued to the American Dental Association, and underwritten by Great-West Financial®. All ADA-sponsored coverage is subject to underwriting and is not guaranteed issue unless specifically stated otherwise. Coverage that is guaranteed issue is subject to a pre-existing condition limitation. Coverage is available to eligible ADA members and student members in all fifty states and US territories under the aforementioned group policy. Each insured will receive a certificate of insurance explaining the terms and conditions of the policy.


ADA® is a registered trademark of the American Dental Association and Great-West Financial® is a registered trademark of GWL&A.


Great-West Financial® refers to products and services provided by Great-West Life & Annuity Insurance Company, Greenwood Village, CO, its subsidiaries and affiliates. GWL&A is not licensed in New York, but eligible members residing in New York may request and ultimately receive coverage under the aforementioned group policy. The trademarks, logos, service marks, and design elements used are owned by Great-West Life & Annuity Insurance Company. ©2017 Great-West Life & Annuity Insurance Company. All Rights Reserved. For website issues, contact the Webmaster at ADA_WebMaster@greatwest.com.

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