Business Overhead Expense Insurance for ADA Member Dentists

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ADA Office Overhead Expense Disability Insurance Plan

Underwritten by Protective^®

If you have to temporarily stop practicing due to a disabling Illness or injury, the bills can start adding up. Cover your professional business overhead expenses, and even your student loans, with this affordable plan.
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ADA Office Overhead Expense Disability Insurance Plan Underwritten by Protective^®

Exclusive rates

Why this Plan is an outstanding value

If you become disabled, the ADA member-only Office Overhead Expense Disability Insurance Plan can help keep your practice viable by reimbursing you for business expenses. (This is separate from your disabilty income protection coverage, which protects your personal income.)

Premiums are based on your attained age and increase in 10-year age bands. After age 59, coverage amounts can no longer be increased, but coverage is renewable until age 75, subject to the terms of the policy. Your plan premium is also deductible as a legitimate business expense** under current tax law.

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 45%.

Get a personalized quote from an Insurance Plan Specialist who can tailor coverage to fit your needs.

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

** Consult your tax or financial advisor for information specific to your situation.

To be eligible to apply for the Office Overhead 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

Coverage to help protect your business

Whether you are just starting your own practice or growing the one you have, your financial obligations can quickly add up. As an ADA member, you can receive payments to help cover important business expenses such as payroll for your staff, monthly rent or mortgage payments, and medical insurance for the office, just to name a few.

Office Overhead Expense Disability Insurance coverage could make the difference between keeping the doors of your practice open during a disability and having to close them permanently.

Generous office coverage and student loan repayment

Up to $25,000 in coverage of eligible business expenses
Coverage starts with total or partial disability
Replacement dentist benefits (up to six months of additional benefits)
Pay student loans, practice loans and other debt without any additional elected options

The ADA Office Overhead Expense Disability Insurance Plan — choose from two maximum coverage amounts.¹

12 Times:

For a lower premium, your maximum benefit is set at 12 times your monthly coverage amount.

24 Times:¹

For a slightly higher premium, your maximum benefit is set at 24 times your monthly coverage amount.

For example: if you choose the 12 times option with $10,000 in monthly coverage, the maximum coverage is $120,000 in expense payments. Payments are not confined to a single year, rather the total potential benefit amount is payable over 48 months with no limit to the actual number of payments.

A 30-day waiting period applies to either benefit plan. The waiting period is the number of days you must be disabled before the Plan can pay benefits (30 consecutive days for total disability, or any 30 out of 60 consecutive days for residual disability). After you've satisfied the waiting period, benefits are retroactive to the first day you became disabled.²

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To be eligible to apply for the ADA Office Overhead Expense Plan, you must be actively working 20 hours per week and not in the active, full-time service of the military. The ADA Office Overhead Expense Plan is not business interruption insurance.

¹Premiums increase every 10 years based on age, are effective as of 2/1/25 with a semi-annual billing frequency and include a 45% Premium Credit discount that allows plan participants to benefit from favorable claim experience. The Premium Credit is not guaranteed, but reevaluated periodically.

²Certain exclusions and limitations may apply. Refer to the policy for full details.

Special features

Designed with ADA members in mind—at no additional cost

Up to $25,000 per month in coverage

Receive up to $25,000 per month — with a maximum benefit option of 12 times or 24 times¹ your monthly coverage amount. That could be $600,000 over the course of your benefit period.

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.

Residual disability protection²

You don't have to be totally disabled to receive benefits. You can get partial benefits after you are totally and/or residually disabled for any 30 of 60 consecutive days if the monthly gross revenue of your practice is less than 20% of your prior monthly practice gross revenues.**

If you return to work part-time and experience a loss of monthly practice gross revenues of at least 20% after a total disability of at least 60 consecutive days, your residual benefits for the next three months will be at least 50% of your insured amount.** Residual disability benefits may continue thereafter until you reach the Plan maximum.

Replacement dentist coverage³

If you're totally disabled and need to hire a replacement dentist to maintain your practice, you can qualify for up to six months of salary replacement benefits to help cover this added expense. This is over and above your regular monthly benefit and retroactive to the date of disability. The additional benefit is equal to the actual compensation paid to the replacement dentist, up to 50% of your monthly insured amount.

Renewable to age 75

Your coverage is renewable all the way to age 75 without any further medical evaluation needed as long as you continue to work at least 20 hours a week and remain an ADA member.

Future increase benefit

You can add $500 in coverage without proof of good health on any February 1 or August 1 semi-annual billing date. This option is offered to ages 54 and under and is only available once in a calendar year for a maximum increase of $2,500.

Survivor Benefit

If you should die while receiving benefits, your beneficiary can continue collecting benefits for up to three months after your death. This can be useful if the practice will be transitioned to another dentist.

Waiver of premium

Your premiums for this insurance will be waived for as long as you remain disabled, once you satisfy the 30-day waiting period.

Voluntary rehabilitation program

Get back to practicing as soon as possible with the help of an optional, fully paid rehabilitation program that includes both physical and occupational therapy.

Inflation fighter

Automatically have the amount of your coverage keep pace with the inflationary costs of maintaining your practice. This feature offers Automatic coverage increases which may vary each year (up to 5%) depending on the current CPI-W index.

Coverage Lock-In

When you purchase ADA Office Overhead Expense Disability 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.*

*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.

**Certain exclusions and limitations may apply. Refer to the policy for full details.

¹At age 70, the 24 times plan reduces to 12 times

²Can pay out through the max residual period without a period of total disability. See contract or a Plan Specialist for more information.

³Salary replacement is not payable if the replacement dentist has an ownership interest in the practice or is an employee of the practice.

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