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Disability Insurance for Dentists

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Our agents have 2,751 Dentist Clients
 

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

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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 the individual disability insurance policy ProVider Plus, available through Guardian, offers true own-occupation coverage with specialty language built into the base policy. 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. You will be considered totally disabled — even if you are working in another capacity. Many carriers offer a true own-occupation definition, however no other carrier offers dental specialty language in the policy, Guardian provides dentists this specialty language.

Most Common Optional Riders1 for Dentist Clients Based Upon the Age, Gender, & Benefit Amount Selected Above
1. Residual Disability Benefit Rider 96.40%
2. Future Increase Option Rider 63.54%
3. 3% Compound Cost of Living Adjustment (COLA) Rider2 56.05%
4. 4-Year Delayed COLA Rider2 16.68%
5. Catastrophic Disability Benefit Rider 8.83%
6. Automatic Benefit Enhancement Rider 7.38%
7. Social Insurance Substitute Rider 3.24%
8. Unemployment Waiver of Premium Rider 1.78%
9. 6% Compound Cost of Living Adjustment (COLA) Rider2 1.34%
10. Basic COLA 3 0.84%
dentist

Why Dentists Choose Guardian

There 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

dentist reviewing x-ray

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.

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Monthly Benefits Up T0 $17,000

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. 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 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:

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Click here for important information regarding the statistics and information displayed on this page.

1Optional riders are available for an additional premium.
2This benefit is not necessarily protection against increases in the cost of living.
3Retirement Protection Plus is not a pension plan or a substitute for one.
Policy Form AH55-A provided by The Guardian Life Insurance Company of America, New York, NY. Product availability varies by state.

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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