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GUARDIAN DISABILITY INSURANCE INFORMATION

Dentist Disability Insurance

Guardian is one of the leading providers of individual disability insurance in the country for dentists. The ProVider Plus policy just may offer some of the most comprehensive disability insurance a dentist can own today. It offers competitive rates, own-occupation with dental specialty language in the definition of total disability, some of the longest recovery benefits in the industry, and monthly benefits up to $15,000. Our agency is also able to provide many dentists with association discounts.

ProVider Plus Highlights For Dentists

Own-occupation disability insurance for dentists, and dental sub-specialties to age 65 or 67.
Optional Graded Lifetime Indemnity Benefit Rider.
Monthly Benefits Up To $15,000.
Recovery Benefits For Up To The Entire Benefit Period with Residual Disability Rider.
Possible Association Discounts
Cost of Living Adjustment Riders Available

Request a Quote

Call 888-513-2300

Own-Occupation Disability Insurance For Dentists

As a practicing dentist, you have received extensive education and training to be able to perform the required duties of your specialty. Whether you completed additional training through a residency program to become a prosthodontist or went straight into private practice as a general practitioner, we understand that your disability insurance policy needs to conform to the type of work that you are performing. Your hands are your livelihood!

That is why Guardian's individual disability insurance policy offers own-occupation coverage with specialty language built into the definition of total disability. Quite simply, this means that if solely due to sickness or injury you are unable to perform the material and substantial duties of your occupation, your occupation is defined as the dental specialty you are engaged in at the time of disability, Guardian will consider you totally disabled — even if you are working in another capacity. Many carriers offer an own-occupation definition, however very few offer dental specialty language in the policy, Guardian is one of the insurance carriers to provide dentists this specialty language.

Why Dentists Choose Guardian

There are several reasons so many dentists choose to have their disability insurance with Guardian and Berkshire. ProVider Plus policy may offer some of the most comprehensive disability insurance protection on the market for a dentist, and the rates are very competitive in the industry. Guardian's disability insurance policy is also endorsed by many state and local dental associations, offering a 10% discount to members of these associations.

One Of Guardian's Most Competitive Advantages

Guardian has a recovery benefit for up to the entire benefit period through the residual disability rider. Most disability insurance policies from competitors limit the recovery benefit for a limited time period or pay a lump sum benefit, Guardian could pay a recovery benefit up to age 65 or 67.

Let's say you are disabled to 18 months, and you magically recover overnight. How long would it take you to establish your current practice? Would your patients be able to wait 18 months to come see you again, or would they go elsewhere? Would it take a long time to rebuild your practice all over again?

It may take a long time to recover from an 18 month disability, and with this policy you would be able to collect residual disability benefits until the age of 65 or 67 as long as you suffer at least a 15% loss of income due to disability. You are buying disability insurance to protect your income, your income still needs to be protected after you physically recover from a period of total disability. Guardian is one of very few carriers to offer this recovery benefit for up to the entire benefit period to dentists.

Request a Quote

Call 888-513-2300

Monthly Benefits Up T0 $15,000

The majority of our competitors, including most association sponsored plans, in the individual disability insurance market have a maximum monthly benefit of $10,000/month. Guardian allows a dentist to have a combined total of $20,000 a month in individual DI protection, with up to $15,000 coming from a Guardian policy. You could have $5,000 a month from an association disability plan, and up to $15,000 with Guardian.

Optional Benefits Available

Graded Lifetime Indemnity For Total Disability Benefit Rider: If you are still totally disabled after the end of the benefit period, this rider will continue to provide a monthly benefit for as long as the disability continues. The amount of the benefit depends on the insured's age at the onset of total disability.
Future Increase Option: Insured individuals can increase their monthly disability benefit without having to go through the burden of additional medical underwriting; however, you must provide evidence of your income, as well as all other disability insurance that you have applied for, or are eligible to receive.
Cost of Living Adjustment: Three different Cost of Living Adjustment Riders will increase the total monthly disability benefit during a period of disability to help keep pace with inflation.
Automatic Benefit Enhancement: Rider will automatically increase the total monthly disability benefit by 4% each year for the first five years that the disability contract is in force. Each annual benefit increase will include a corresponding attained-age premium increase. After the 5th year to renew the ABE rider there is full underwriting.

Special Needs for Practice Owners

We understand that in addition to your duties as a dentist, you must also fulfill your role as a business owner. For this reason we invite you to visit the Small Business Owner section of this web site. There are needs that you must address in addition to your individual disability income insurance planning, such as:

Overhead Expense Insurance: To assist in paying the monthly bills associated with your practice should you ever become disabled. This policy will reimburse you for your monthly overhead expenses, such as utilities and employee salaries during a claim.
Business Reducing Term: Offered exclusively through Guardian, this policy protects business and/or equipment loans in the event of a disability. This policy is designed to conform to the specifics of your loan, and can be used to satisfy any disability insurance loan requirements from your lending institution (i.e. Matsco, HPSC, AFTCO, etc.). In addition, the policy is significantly less expensive to purchase than your average disability income insurance or business overhead expense contract.
Disability Buy-Out: To protect your financial interest in the business, in the event that you or your partner are unable to work as the result of a disability.

Request a Quote

Call 888-513-2300

Financial Balance Group LLC is a general agency of The Guardian Life Insurance Company of America, NY, NY. Guardian Disability Insurance Brokerage is the brokerage arm of Financial Balance Group LLC. Disability insurance agent information provided on this web site is for broker use only. For important information about the disability insurance products and insurers discussed on this page, as well as information concerning Guardian Disability Insurance Brokerage or the General Agency representing Guardian, please click here.
Copyright Steven L. Crawford (General Agent).

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