Disability Insurance for Dentists
Disability Insurance Quote
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, true own-occupation coverage with dental specialty language in the base policy, some of the longest recovery benefits in the industry, and monthly benefits up to $17,000. Our agency is also able to provide many dentists with association discounts.
ProVider Plus Highlights For Dentists
Own-Occupation Disability Insurance For DentistsAs 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!
Why Dentists Choose GuardianThere are several reasons so many dentists choose to have their disability insurance with Guardian. ProVider Plus may offer some of the most comprehensive disability insurance protection on the market for a dentist, and the rates are competitive in the industry. Guardian's disability insurance policy offering 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
ProVider Plus has a recovery provision for up to the entire benefit period through the Residual Disability Benefit Rider. Some disability insurance policies from competitors limit the recovery benefit for a limited time period or pay a lump sum benefit. The ProVider Plus individual disability insurance policy also starts paying benefits under the Residual Disability Benefit Rider at a 15% loss of income, vs the competition who require a 20% loss of income. This allows Guardian to pay benefits sooner, and longer for residual claims.
Let's say you are disabled and not working for 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 eligible for residual disability benefits until the age of 65 or 67 as long as you suffer at least a 15% loss of income due to injury or sickness. 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 provision for up to the entire benefit period to dentists.
Monthly Benefits Up T0 $17,000The majority of our competitors, including most association sponsored plans, in the individual disability insurance market have a maximum monthly benefit of $10,000/month. The maximum participation limits with other companies available through Guardian allows a dentist to have a combined total of $25,000 a month in individual DI protection, with up to $17,000 available with ProVider Plus. You could have $8,000 a month from an association disability plan, and up to $17,000 of ProVider Plus available with Guardian.
Optional Benefits Available
Special Needs for Practice OwnersWe 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: