“Own Occupation”
 Dental Specialty Coverage
For The Full Benefit Period

“The heart of any disability policy is the definition of Total Disability.”
Ron Cohen, RHU, RR

• Own-occupation definition of total disability that recognizes any specialty recognized by the ADA, your specialty is deemed your regular occupation.
• A residual disability rider that does not require a loss of time or duties...
• A 5-year waiver of elimination period...
• Non-Cancelable and Guaranteed Renewable Contract to age 65

Own-Occupation for Dentists

As a dentist, you have received extensive education and training to perform the material and substantial duties of your specialty. Imagine having a disability insurance product that did not protect that specialty, and forced you to work in some other occupation if you couldn't perform your medical specialty. We offer a disability insurance policy that has an own-occupation definition of total

disability. If because of sickness or injury you are unable to perform the material and substantial duties of your regular occupation, regular occupation defined as the occupation in which you are engaged at the time you become disabled, you will be deemed to be totally disabled even if you are engaged in some other capacity.

If your occupation limed a recognized Dental Specialty by the ADA, that specialty will be your occupation.

Residual Disability Rider - No Loss of Time or Duties Required

Many competitors have a residual rider, or loss of income definition of total disability that requires a loss of time and duties along with a loss of income in order to pay partial disability benefits. Our contract does not require:  The loss of time or duties.

They only require a loss of 20% or more in income as a result of a sickness or injury in order to pay claims under the residual disability rider. This allows the Residual Rider: To act an unlimited recovery benefit, one of the most important features of a disability policy, is recovery.

Uniqueness in Features:

5-Year Waiver of Elimination Period

Another strong feature:

The 5-year waiver of elimination period. The only contract in the disability Insurance industry to offer such a benefit. If you are disabled under the terms of our contract for at least 6 months, and for which one day of benefits have been paid, if you recover from that disability the contract would waive the elimination period on any new disabilities within the next 5 years. This results in a first day benefit disability insurance policy from that point from ANY cause for the next five years.

X 45 Lifetime Benefit Period

Another strong feature that is available to dentists under our disability insurance contract is the X45 lifetime benefit period. So few companies offer any type of benefit period beyond age 65.  This is one of very few to offer it to dentists. There is a common misconception that this benefit period is much more expensive than an "age 65" benefit period, in many cases it is just a few hundred dollars a year more or less.

Non-Cancelable and Guaranteed Renewable

There are a lot of reasons to make sure that your disability insurance policy is Non-Cancelable and Guaranteed Renewable.

for any reason so long as you maintain prompt premium payments.

Interrupted Elimination Period

All disability income policies have an elimination period - that is, the period of time that must elapse before monthly benefits begin.

We will allow different periods of disability, from the same or a different cause, to count towards the elimination period (EP), which must be satisfied within the accumulation period specified on the policy schedule page. The days on which you are disabled need not be consecutive, and if your policy has a three-month elimination period, for instance, the accumulation period (during which you need to accumulate those three months of disability) would be seven months.

Waiver of Premium

During disability:

• Premium is waived after three months or the elimination period, if that's shorter;
• Premium is refunded if it was due and paid during the elimination period
• Premium may be waived for 12 months if you are disabled on a policy anniversary; and
• Premium is waived for three months after recovery.

The Provider Plus Waiver of Premium benefit is important because it waives premiums that fall due during a disability and refunds premiums that were due and paid during the elimination period. If you select the Residual Disability Rider, you may be either totally or residually disabled to qualify for Waiver of Premium. To become eligible you must be disabled for three months or the elimination period, if that's shorter.

Your premium will continue to be waived for three months after you recover. If you are disabled and eligible for premium waiver on a policy anniversary, we will waive an annual premium even if you paid your premiums more frequently. The waiver continues until the next policy anniversary, even if you recover sooner.

The waiver of premium benefit will also apply if monthly benefits are payable because you have met the requirements of any of the provisions called Waiver of Elimination Period, Recurrent Periods of Disability or Presumptive Total Disability Benefit.

Waiver of Elimination Period

Under a unique feature of the Provider Plus policy, there is no new elimination period for subsequent disabilities from any cause, if your original disability lasted at least six months and you received any benefits from us. (The second period of disability must occur within five years of the first.)

This means that benefits would be paid from the first day of the second period of disability, even if the subsequent disability were for a minimal period of time or was caused by an accident or illness not related to the first period of disability.

Presumptive Total Disability Benefit

The policy also includes a benefit designed to give you extra protection in the case of certain catastrophic disabilities: the Presumptive Total Disability Benefit.

Because of this benefit, we will consider you totally disabled if sickness or injury results in the total and complete loss of: the sight of both eyes; the hearing of both ears; the power of speech; the use of two arms, two legs, or one arm and one leg, in their entirety. We will also waive any unexpired part of the elimination period from the date of such a loss.

Suppose you suffered compound fractures of both legs in an auto accident. Since you have experienced the total and complete loss of their use, we will waive the elimination period and you would receive benefits from the date of that loss. Most other companies would not consider this a presumptive disability and therefore would not pay until after the elimination period if you were still disabled and you met the definition of disability. Even if you continued to work full time with compound fractures of both legs, we would presume you to be disabled and would pay your monthly benefit until your recovery.

Capital Sum Benefit

The policy also includes a lump sum benefit for other specific losses: the Capital Sum Benefit.

This benefit is paid in addition to any other benefits payable if, because of a sickness or injury, you lose the entire sight of one eye with no possibility of recovery; or suffer the complete loss of a hand or foot severed through or above the wrist or ankle; and you survive it for 30 days. The Capital Sum equals 12 times your monthly benefit, so on a policy with a $5,000 monthly benefit, we would pay $60,000 for such a loss. No more than two such losses are payable during your lifetime.