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Disability Income Protection and Office Overhead Expense

Disablity Insurance

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.


Dentists: The information on this website is not a contract. Benefits are provided through a Group Policy Nos. (104TLP 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 by Great-West Financial®. The ADA is entitled to receive royalties from the ADA Members Insurance Plans. Coverage is available to all eligible ADA members in all fifty states and U.S. territories under the aforementioned group policy. Each Plan participant will receive a Certificate of Insurance explaining the terms and conditions of the policy. Level Term Life premiums are fixed based on the selected duration of 10 or 20 years. An insured must maintain ADA membership throughout selected term to remain eligible for insurance. 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.


Dental Students: The information on 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 not payable, as defined by the respective policy, for death or disability resulting from a sickness, disorder, physical condition, or symptom that existed or was treated within 12 months prior to enrollment. 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 by Great-West Financial®. Coverage is available to eligible ADA 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.


Effective June 1, 2019, Protective Life Insurance Company (for policies issued outside New York) and Protective Life and Annuity Insurance Company (for policies issued in New York) assumed administrative responsibilities for ADA Members Insurance Plans issued by Great-West Life & Annuity Insurance Company.


Great-West Financial® is a marketing name of Great-West Life & Annuity Insurance Company, Corporate Headquarters: Greenwood Village, CO; Great-West Life & Annuity Insurance Company of New York, Home Office: NY, NY, and their subsidiaries and affiliates. GWL&A is not licensed in New York, but eligible members residing in New York may apply for coverage under the aforementioned group policy. The trademarks, logos, service marks, and design elements used are owned by Great-West Life & Annuity Insurance Company. ©2020 Great-West Life & Annuity Insurance Company. All Rights Reserved. For website issues, contact the Webmaster at ADA_WebMaster@greatwest.com

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