Disability Insurance Guide for Dentists

Fill out a simple form to see your quotes. Let our insurance expert answer your questions and unlock exclusive discounts. Find the best true own-occupation disability insurance policy for you. It’s that simple.

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Why Disability Insurance?

The chance of missing months or years of work because of an injury or illness may seem remote, especially if you’re young and healthy. However, 1 in 4 people in the U.S. will suffer a disability lasting for more than a year before the age of 65. 

As a dental professional, your ability to earn a substantial income is one of your most valuable assets. Ensuring that you are financially protected in the event of a disabling injury or illness is crucial. Our expert team is here to help you find the best disability insurance tailored specifically for dentists.

How It Works

submitting a quote for disability insurance online

Step 1: Request Quotes

Fill out our simple form to request personalized disability insurance quotes from top-rated insurers.

Step 2: Compare Rates

Our team will provide you with a detailed comparison of rates and coverage options tailored to your needs.

Step 3: Get Covered

Choose the best policy for your situation and secure your financial future with disability coverage. 

Disability Insurance Made Simple

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MINUTES OR LESS TO SUBMIT A QUOTE REQUEST

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Take the first step toward protecting your income.

The team helped me purchase disability insurance shortly after I finished dental school. Definitely would recommend them.” 

Dr. Brandon B.

D.D.S.

Highly recommend! This site was easy to navigate and quickly connected me with an experienced insurance broker.

Dr. Lori S.

D.D.S.

Extremely knowledgeable and always willing to provide help.” 

Dr. Irvin S.

D.D.S.

Key Aspects of Disability Insurance

1. Own-Occupation Definition: This ensures that you receive benefits if you are unable to perform your specialty. 

2. Benefit Period: Choose a benefit period that provides coverage until retirement age.

3. Elimination Period: Select a waiting period that balances affordability with your ability to cover expenses in the short term.

4. Coverage Amount: Ensure your policy covers enough of your income to maintain your lifestyle and meet ongoing obligations.

5. Non-Cancellable & Guaranteed Renewable: These provisions ensure that your policy cannot be canceled, nor can premiums be increased, as long as you pay on time.

Critical Riders to Consider

1. Future Purchase Option: Allows you to increase your coverage as your income grows without needing further medical underwriting.

2. Residual or Partial Disability Rider: Provides benefits if you can work but your disability limits your earning potential. 

3. Cost of Living Adjustment (COLA) Rider:  Adjusts your benefits for inflation, ensuring your coverage remains adequate over time. 

4. Catastrophic Disability Rider: Provides additional benefits if you suffer a severe disability that requires significant extra care. 

 

Get Your Personalized Quote Today

Take the first step toward protecting your income and ensuring your financial stability. Submit a request for a quote today and let our experts guide you to the best disability insurance options available.