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ADA Disability Income Protection Insurance Plan
Underwritten by Protective®

Disability income protection insurance can be a powerful lifeline for dentists during unexpected illness or injury, to help protect against major financial strain. Learn how to protect your income.
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ADA Disability Income Protection Insurance Plan Underwritten by Protective®
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If a disability or illness prevented you from practicing, could you continue to support your family? Get your exclusive ADA member quote now.
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What is disability income protection insurance?

Disability insurance is a crucial financial planning tool, especially for skilled professionals in a hands-on field like dentistry. The ADA Disability Income Protection Insurance Plan has been designed specifically for dentists offering coverage tailored to your profession, providing disability benefits during a disabling illness or injury.

ADA members enjoy exclusive cost-competitive rates that are among the lowest available in the market today.

Why do I need disability insurance?

With 1 in 4 dentists likely to experience a disabling condition1, disability income protection insurance provides a safety net of income replacement if you are unable to practice due to disabling illness or injury. If you experience a qualifying disability, benefit payments can help ease the burden of daily expenses, allowing you to focus on recovery.

What benefits are included?

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True "own occupation" coverage
Receive full benefits if you’re an ADA member and total disability prevents you from practicing in your specialized dental field. Benefits continue up to age 672 even if you practice in other dental areas or switch professions.
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Benefits payable to age 672
ADA members enjoy benefits, including full benefits payable to age 672, renewable coverage for active ADA members working full time up to age 75, and protection with benefits payable for 24 months if disabled between ages 65 and 75.
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Benefits for mental and nervous conditions
Unlike other carriers, you can receive full long-term benefits for mental and nervous disorders, and for disabilities resulting from alcohol, drug, chemical or substance abuse without an upcharge or rider.3
calendar Icon Flexible waiting periods

Reduce your premium by extending your disability waiting period or minimize income loss with a shorter waiting period. Choose from 30, 60, 90 or 180 days.

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If, during the waiting period, you incur a medically necessary inpatient hospitalization that lasts a minimum of five consecutive days, your monthly benefit will be payable from the first day of confinement and any remaining days of the waiting period will be waived.

briefcase Icon Residual protection

If you return to work part-time following a total disability, you can still receive partial disability benefits. And with the Plan's Residual Plus option, you can qualify for residual benefits even sooner without ever being totally disabled.

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When you purchase ADA Disability Income Protection Insurance, the features you select are in place for the life of your coverage and can’t be taken away unless changes are mandated by changes in law or regulation. Read more about ADA insurance plans coverage lock-in.4

To be eligible to apply for the Disability Income Protection Insurance Plan, you must be actively working 20 hours per week and not in the active, full-time service of the military.

1Odds of disability are based on actual disability claims submitted by insured ADA members

22Benefits are payable to age 67, or if you become disabled between ages 65 – 75, benefits are payable for 24 months.

3The ADA Disability Income Protection Insurance Plan limits benefits to 12-months for substance abuse disabilities.

4Mandatory changes because of changing regulatory or legal requirements in the future may be made as required by law. Otherwise, coverage features may not be amended by Protective Life or the ADA once coverage commences as long as the participant does not allow coverage to lapse. Locked-in coverage features that subsequently lapse may not be available upon re-application for coverage. Premium rates are subject to change. The Coverage Lock-in feature does not apply to the Universal Life certificate.

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More options

Members under age 50 may apply for:
Residual Plus: Income benefits without being totally disabled

With the Residual Plus, both total and residual disability days count toward your waiting period, even if non-consecutive. For example, with a 90-day waiting period, you can qualify for partial benefits if you are disabled for any 90 out of 180 days. This option will allow you to use days when you are partially disabled and showing a loss of income of at least 20% to fulfill your waiting period.

In addition to being renewable through age 64, benefits include:

  • Recovery benefit
    If you fully recover and return to work full-time, you may continue to receive a monthly benefit for up to three months if you still suffer an income loss of 20% or more.
  • Liberal definition of loss of income
    For the first 90 days of residual disability, lost income is based on a 20% drop in billables rather than receivables, allowing benefit payments to potentially begin sooner.
Cost of Living Adjustment (COLA): Protect your disability income benefit from inflation

This optional enhancement allows your benefits to automatically increase keeping pace with the cost of living.

In addition to being renewable through age 59, why select this option?

  • COLA is particularly beneficial for long-term disabilities that extend for several years or even decades.
  • Adjustments to the annual benefits are based on increases in the Consumer Price Index (CPI), with an annual maximum adjustment of 9%.
Future Increase Option: Get more coverage without a medical exam

Coverage needs may change over time. This optional coverage lets you increase your benefits as your income grows, without a medical exam (subject to financial underwriting and a $15,000 plan maximum).

In addition to being renewable through age 54, advantages of this option include:

  • Get an additional $1,000 in coverage every 12 months, up to a maximum increase of $5,000, without providing proof of good health.
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How much disability insurance do I need?

High earnings potential makes disability income protection insurance especially important for dentists like you who depend on their specialized skills and ability to work to earn. Our plans provide up to $15,000/month or $180,000 annually in benefits. Find out how much coverage you need.

How to calculate coverage

The amount of disability insurance you need is typically 60% of your net monthly income.
Coverage calculator

How cost is determined

  • Rates are based on your gender and attained age, which gradually increases every five years
  • ADA membership makes you eligible for a premium credit discount
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Trusted provider of insurance plans created for dentists

ADA Members Insurance Plans, underwritten by Protective®, offers a range of insurance coverage and benefits to meet the diverse needs of thousands of ADA members throughout their dental career.

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Provides Insurance plans designed for ADA members and dental students
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Top rated insurance provider with A+ financial strength rating from A.M. Best5

How do I apply?

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Talk to an Insurance Plan Specialist

Get personal, expert guidance to help calculate the amount of disability insurance you need based on your net monthly income, complete your application and answer your insurance questions.

Request your free consultation by submitting the form below or call 866-607-5338 to get answers fast!

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Apply online

Ready to get started? Complete our convenient online application and start the process to protect your income.

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Meet our Insurance Plan Specialists
Jennifer Tozier
Jennifer Tozier
Amia Jenkins
Amia Jenkins
Brandy Sherrane
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Additional resources

More helpful information. Make the right decisions at the right time for you.

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Doctor shares video explaining level vs. graded insurance
Client learning about the seven ways a plan specialist can help
Disability Insurance Basics: The 6 Things You Need to Know
Level vs. Graded Insurance: Which is Right for You?
7 Ways an Insurance Plan Specialist Can Help

Explore the 6 key factors for selecting disability insurance so you can make a smart choice for your needs.

This 2-minute video will help you navigate the variety of insurance choices available and determine which one is right for you.

Discover how to leverage your access to insurance experts to make informed decisions.

Learn more
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FAQs

When should I get disability insurance?

Starting coverage when you're younger can keep you protected in case of career related injuries that could develop over time. Disability insurance is especially important if your income is crucial for your lifestyle, financial obligations and if you have dependents.

What if I need rehabilitation to return to my regular occupation?

Our fully paid rehabilitation program includes both physical and occupational therapy, helping you get back to practicing dentistry as soon as possible.

Can my coverage be changed?

Your selected features for ADA Disability Income Protection Insurance will remain in place as long as you maintain continuous ADA membership except in cases where changes are required by law or regulation. Read more about ADA insurance plans coverage lock-in.6

Are disability benefits taxable?

Disability insurance benefits are typically tax-free if you didn't deduct the insurance premiums. For specific advice, consult a tax or legal professional.

Still have questions? We are here to help.
Contact Plan Specialist

To be eligible to apply for the Disability Income Protection Insurance Plan, you must be actively working 20 hours per week and not in the active, full-time service of the military.

5As of February 2024: An insurance rating is an opinion of the AM BEST rating agencies of the insurance company's financial capacity to meet the obligations of its insurance policies in accordance with their terms. Each of the independent rating organizations that rates Protective has assigned its rating based on a variety of factors, including the company's operating performance, asset quality, financial flexibility and capitalization. A rating is not a recommendation to purchase, sell or hold insurance contracts. Ratings are subject to change at any time. The insurer may have paid a fee to the rating agency.

6Mandatory changes because of changing regulatory or legal requirements in the future may be made as required by law. Locked-in coverage features that subsequently lapse may not be available upon re-application for coverage. Premium rates are subject to change. The Coverage Lock-in feature does not apply to the Universal Life certificate.

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The information on this website is not a contract. Protective refers to Protective Life Insurance Company (PLICO) and its affiliates, including Protective Life and Annuity Company (PLAIC). PLICO, founded in 1907, is located in Nashville, TN and is licensed in all states excluding New York. PLAIC is located in Birmingham, AL, and is licensed in New York.

Protective® is a registered trademark of PLICO. The Protective trademarks, logos and service marks are property of PLICO and are protected by copyright, trademark, and/or other proprietary rights and laws. ADA® is a registered trademark of the American Dental Association (ADA). ADA Members Insurance Plans® is a registered service mark of the ADA. The ADA trademarks, logos, and service marks are the property of the ADA and used by Protective with permission. In some states, the ADA is entitled to receive royalties from the ADA Members Insurance Plans.

ADA Members Insurance Plans refers to the group life, disability, and supplemental medical policies issued by PLICO and PLAIC to the ADA.

Policies issued by PLICO in all states except New York: Term Life Insurance1 (TL-P 1-21), Student Term Life Insurance (TL-ST-P 2-21), Universal Life Insurance1 (TP-P 11-20), Level Term Insurance2 (LT-P 1-21), Disability Income Protection Insurance3 (IP-P 7-20), Office Overhead Expense Disability Insurance4 (OE-P 9-20), Student Disability Income Insurance3 (ST-P 8-20), Hospital Indemnity Insurance (HI-P 11-20), and Critical Illness Insurance (CI-P 7-20).

In New York, policies issued by PLAIC: Term Life Insurance1 (TL-P-NY 1-21), Student Term Life Insurance (TL-ST-P-NY 2-21), Universal Life Insurance1 (TP-P-NY 2-21), Level Term Life Insurance2 (LT-P-NY 2-21), Disability Income Protection Insurance3 (IP-P-NY 12-20), Office Overhead Expense Disability Insurance4 (OE-P-NY 01-21), Student Disability Income Insurance1 (ST-P-NY 1-21), Hospital Indemnity Insurance (HI-P-NY 1-21), and Critical Illness Insurance (CI-P-NY).

Consult the policy for benefits, riders, limitations, and exclusions. Benefits adjusted for misstatements of age or sex. Benefits are provided under a group policy issued to the ADA. Each Plan participant will receive a Certificate of Insurance explaining the terms and conditions of the policy. An insured must maintain continuous ADA membership to remain eligible for insurance.

1For term life insurance and universal life insurance, premiums increase annually based on age. The Premium Credit is not guaranteed but reevaluated periodically. Universal life recommended premiums consist of the costs of insurance (which vary based on the member’s age and coverage amount), the amount a member places into the Policy Value Account and service charge. Premium deposits may fluctuate or remain level.

2For level term life insurance, premiums are fixed based on the member’s age, gender and coverage amount at issue.

3Premiums increase every five years based on age for disability income protection. Premium Credit is not guaranteed but reevaluated periodically.

4Premiums increase every 10 years based on age to age 60 and every 5 years thereafter to age 75 for office overhead expense disability. Premium credit is not guaranteed but reevaluated periodically.

Coverage for dental student members is issued regardless of condition if under age 60. Coverage automatically renews each academic year. Individuals may convert coverage to the plans for practicing dentists after graduation by paying member premiums and maintaining continuous ADA membership.

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