Disability Income Protection Insurance Plans for ADA Member Dentists

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ADA Disability Income Protection Insurance Plan

Underwritten by Protective^®

If a serious injury or illness prevented you from practicing, could you continue to support your and your family's current lifestyle? Exclusive ADA member rates are a quote away.
Get a quote

ADA Disability Income Protection Insurance Plan Underwritten by Protective^®

If a serious injury or illness prevented you from practicing, could you continue to support your and your family's current lifestyle? Exclusive ADA member rates are a quote away.
Get a quote

Exclusive Rates

See how low your rates can be

If you suffer a serious illness or injury, the ADA Disability Income Protection Insurance Plan offers coverage at discounted premium rates that can be significantly less than other insurance carriers.

Rates are based on your gender and attained age, which gradually increase every five years. This offers members financial flexibility resulting in lower payments in your younger years, when you may be paying off student loans and building a practice. Read more about stepped insurance premiums.

The Premium Credit discount

The Premium Credit discount* is a Plan-specific reduction for all plan participants, regardless of age, gender or coverage amount.

Here's how it works. Each year we review the plan's financial performance in addition to projecting expectations for future financial performance — under the current premium rates. When the projected results are expected to generate a surplus over what is needed by the plan, we return it by passing the savings on to you as a Premium Credit.

It's a benefit of your ADA membership that is automatically built into your rate. And it's one of the ways our group insurance model works to bring you rates that are among the lowest in the market today.

The current Premium Credit discount is 26%. Learn more.

Compare rates by age, elected coverage options and waiting periods. For a full list of rates, view the PDF charts below.

Disability Income Protection rates for male members

Disability Income Protection rate chart for males

Semi-annual premiums for each $1,000 in monthly coverage¹ for males.

		Most Popular
Your Attained Age²	180-Day Waiting Period	90-Day Waiting Period	60-Day Waiting Period	30-Day Waiting Period
20-29	$45.64	$49.30	$57.83	$72.98
30-34	$64.42	$70.36	$81.96	$102.10
35-39	$69.35	$75.42	$87.40	$107.06
40-44	$92.38	$100.73	$116.98	$142.63
45-49	$122.98	$133.79	$154.71	$186.82
50-54	$188.98	$206.41	$240.39	$293.15
55-59	$230.71	$251.07	$285.90	$341.56
60-64³	$306.69	$354.78	$420.85	$506.39
65-69³	$210.92	$278.70	$322.85	$395.98
70-74³	$287.69	$380.14	$440.36	$540.11

Disability Income Protection rates for female members

Disability Income Protection rate chart for females

Semi-annual premiums for each $1,000 in monthly coverage¹ for females.

		Most Popular
Your Attained Age²	180-Day Waiting Period	90-Day Waiting Period	60-Day Waiting Period	30-Day Waiting Period
20-29	$67.67	$73.11	$85.75	$108.21
30-34	$95.53	$104.33	$121.53	$151.40
35-39	$152.79	$166.18	$192.56	$235.87
40-44	$184.12	$200.76	$233.16	$284.27
45-49	$197.83	$215.21	$248.87	$300.52
50-54	$215.97	$235.90	$274.73	$335.03
55-59	$241.24	$262.52	$298.94	$357.13
60-64³	$282.59	$326.90	$387.77	$466.60
65-69³	$159.52	$210.78	$244.17	$299.48
70-74³	$217.58	$287.50	$333.04	$408.48

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¹Premiums increase every 5 years based on age, are effective as of 5/1/2024 with a semi-annual billing frequency and include a 26% Premium Credit discount that shares favorable financial results with Plan participants. The Premium Credit discount is not guaranteed, but reevaluated periodically. If the applicant does not qualify for Standard rates, it may be possible to qualify for one of the two additional substandard rate classes.

²Your Attained Age for insurance purposes will be the same as your actual age beginning on the first day of the month following your birthday.

³Rates for age 60–74 are renewal rates only. You can apply for new or additional coverage only up to age 60. Beginning at age 65, benefits are paid for a maximum of two years.

*Premium Credit discount shares favorable financial results with Plan participants; the reduction is not guaranteed but reevaluated periodically.

To be eligible to apply for the Disability Income Protection Plan, you must be actively working 20 hours per week and not in the active, full-time service of the military. There is a 25% increase to the Standard rate if the applicant uses tobacco. If the applicant does not qualify for Standard rates, it may be possible to qualify for one of the two additional substandard rate classes.

Quality coverage

Designed with ADA members in mind

The ADA Disability Income Protection Insurance Plan provides coverage and confidence knowing you can continue to support you and your family's lifestyle if you're unable to practice due to a disabling illness or injury.

High earnings potential make disability insurance protection especially important for dentists who have a lot to protect.

The plan features a true "own occupation" definition of disability. We built this into our plan because we understand the challenges and demands that practicing dentists face.

Personal income coverage

Up to $180,000 a year to replace lost income. The amount of disability insurance you need is typically 60% of your net monthly income. If your net monthly income exceeds $20,000 contact an Insurance Plan Specialist for assistance.
Coverage for total or residual disability
Premium Credit discount available exclusively to ADA members

What are the odds you'll need disability insurance?

Statistics show that 1 out of 4 dentists will become disabled long enough to collect benefits at some point before retirement.¹ While you might not be able to prevent a disability from happening, you can take the necessary precautions to lessen its impact.

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

Special features

Exclusive built-in features

True "own occupation" coverage

This plan features a true "own occupation" definition of disability, which means it is the most generous definition available to you. That means you may receive full benefits – payable up to age 67¹, if a total disability prevents you from practicing in your current specialized area of dentistry or your profession. You may continue to receive benefits even if you are able to practice in a new area of dentistry or choose to enter a different profession.

Benefits payable to age 67¹

If you become disabled between ages 65 and 75, you can protect yourself with benefits that are payable for 24 months.

Flexible waiting periods

You can reduce your premium by extending your disability waiting period or reduce your risk of income loss with a shorter waiting period. You can choose from 30, 60, 90 or 180 days.

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.

Hospital waiver

If you incur a medically necessary in-patient hospital confinement that lasts a minimum of five consecutive days, your monthly benefit will be payable from the first day of confinement.

Renewable coverage

Coverage is renewable to age 75 if you’re actively working full-time and remain an ADA member.

Voluntary rehabilitation program

Get back to practicing the rigors of dentistry as soon as possible with a fully paid rehabilitation program, which includes both physical and occupational therapy.

Mental and nervous conditions

Unlike some other carriers, you can receive full long-term benefits for mental and nervous disorders, as well as some benefits for disabilities resulting from alcohol, drug, chemical, or substance abuse.

Tax benefits

Generally, disability insurance benefits are not subject to federal income taxation as long as you have not deducted the insurance premiums as a business expense. Please consult with your tax or legal advisor.

Coverage Lock-In

When you purchase ADA Disability Income Protection Insurance with us, 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.*

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.

¹Benefits are payable to age 67, or if you become disabled between ages 65 – 75, benefits are payable for 24 months.

*Mandatory changes because of changing regulatory or legal requirements in the future may be made as required by law. Otherwise, coverage features in effect on or after November 1, 2009, 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.

Options

Under 50? You have options.

Members under age 50 are eligible to enhance their Disability Income Protection Insurance by applying for the following optional coverage.

Residual Plus: Income benefits without being totally disabled

Our most popular elected option among members is also the most flexible. Days of both full and residual disability count toward your waiting period even if they are not consecutive, which allows you to receive benefits without being totally disabled. For example, with the Residual Plus option and a 90-day waiting period, you could qualify for partial benefits when you are completely or partially disabled for any 90 out of 180 days.

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

Recovery benefit

If you fully recover from a disability and return to work full-time with the ability to perform all of the duties of your "own occupation," you may continue to receive a monthly benefit for up to an additional three months as long as you continue to suffer an income loss of 20% or greater.

Liberal definition of loss of Income

During the first 90 days of residual disability, lost income will be based on a 20% drop in billables, rather than receivables — so benefit payments can potentially begin sooner.

Future Increase Option: Get more coverage without a medical exam.

Your income needs today may not be the same in the future. This optional coverage guarantees your ability to increase coverage as your income needs increase — without a medical exam (subject to financial underwriting and the overall plan maximum of $15,000).

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.

Additional coverage can be applied for at any time and is subject to underwriting.

Cost of Living (COLA) Option: Don't let inflation devalue your disability income benefit.

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 benefit are based on increases in the Consumer Price Index (CPI).

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

Ready to get started?

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Questions? Talk with an Insurance Plan Specialist at 866-607-5338 for assistance (weekdays from 8 a.m. to 6 p.m. Central Time) or Email ADAPlanSpecialist@protective.com.

WEB.2458697.01.23

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Current ADA Members & Students

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Underwritten by Protective®

Exclusive Rates

See how low your rates can be

The Premium Credit discount

Compare rates by age, elected coverage options and waiting periods. For a full list of rates, view the PDF charts below.

Disability Income Protection rates for male members

Disability Income Protection rate chart for males

Disability Income Protection rates for female members

Disability Income Protection rate chart for females

Quality coverage

Designed with ADA members in mind

What are the odds you'll need disability insurance?

Special features

Exclusive built-in features

True "own occupation" coverage

Benefits payable to age 671

Flexible waiting periods

Residual protection

Hospital waiver

Renewable coverage

Voluntary rehabilitation program

Mental and nervous conditions

Tax benefits

Coverage Lock-In

Options

Under 50? You have options.

Residual Plus: Income benefits without being totally disabled

Recovery benefit

Liberal definition of loss of Income

Future Increase Option: Get more coverage without a medical exam.

Cost of Living (COLA) Option: Don't let inflation devalue your disability income benefit.

Ready to get started?

Underwritten by Protective^®

Benefits payable to age 67¹