Underwriting | ADA-Sponsored Insurance Plans – Insurance for Dentists and Their Practices

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Underwriting

Insurability of ADA members is determined through a careful review of medical and/or financial characteristics.

Underwriting

Insurability of ADA members is determined through a careful review of medical and/or financial characteristics.

Overview

Insurability of our members is determined through a careful review of medical and/or financial characteristics. Concerning all of the ADA Members Insurance plans, underwriting standards are the same for every member of the group. To minimize risk and keep rates consistent for all Plan participants, members with specific conditions may be excluded from coverage.

Once all necessary information and exam results are received, an underwriter will review your application. The entire application process usually takes between 8–12 weeks. At that point, Protective will define your application as one of the following:

Approved:
Your application is accepted as submitted. Your coverage will take effect on the date it was approved by Protective, subject to the payment of your first premium.
Modified:
Your application will be accepted once you agree to any modifications offered by the underwriter. A modification may change the amount of coverage or eliminate benefits for specific medical conditions. You are not obligated to accept our offer for modified coverage.
Declined:
Your medical condition (as demonstrated by your medical history) falls outside the established range of insurability for the ADA member insurance plan for which you applied. You will receive a letter explaining the reasons your request was declined.

Underwriting requirements are subject to change without notice.

	Type of underwriting required
ADA Members Insurance Plans	Medical	Financial
Term Life
Level Term Life
Term Plus^® Universal Life
Disability Income Protection
Office Overhead Expense
Critical Illness¹
Hospital Indemnity²
Term Life for Students³
Student Disability⁴

¹Basic Critical Illness coverage is guaranteed, but optional increased amounts will require noninvasive underwriting.
²Basic Hospital Indemnity coverage is guaranteed, but the optional Extended Care Rider will require noninvasive medical underwriting.
³$50,000 of coverage under the Term Life Plan is available to pre-doctoral ADA student members under the age of 60 without proof of good health if they request activation.
⁴$2,000 per month in Student Members Disability insurance and up to $150,000 to repay student loans is available to pre-doctoral ADA student members if they request activation.

Financial

Financial underwriting is required of members applying for greater than minimal amounts of Disability Income Protection and Office Overhead Expense Disability Plan insurance. We will ask you to provide us with your most recent tax documents, determined by your employment and/or business, as well as the amount of coverage you request. If you are a new dentist, we may be able to accept alternative forms of financial documentation. Please call 800-568-2001 if you are in doubt as to what we need.

Minimum financial requirements Disability Income Protection Plan
Monthly coverage amount	Your employment status
Any amount in excess of $5,000 with all carriers	Employee	Sole proprieter	Partnership	S Corp.	C Corp.
Any amount in excess of $5,000 with all carriers	W2 Form and current year-to-date paycheck stub	IRS form 1040 Schedule C	IRS form 1065 and Schedule K-1	IRS form 1120S and Schedule K-1	IRS form 1120 and W-2 form

Minimum financial requirements Office Overhead Expense Disability Insurance Plan
Monthly coverage amount	Your business structure
Any amount in excess of $10,000 from all carriers	Sole proprieter	Partnership	S Corp.	C Corp.
Any amount in excess of $10,000 from all carriers	Schedule C and supplemental expense schedule	IRS form 1065, Schedule K-1 and supplemental expense schedule	IRS form 1120S, form 1125-E or K-1 and supplemental expense schedule	IRS form 1120, form 1125-E and supplemental expense schedule

Medical

Medical underwriting may include a medical questionnaire, blood draw, urinalysis, paramedical exam, or physicians report depending on your age and the amount of coverage you request. Additional information may be required as determined by your personal medical history.

Once the underwriting process has begun, a paramedical service or individual authorized by Protective will contact you for an appointment. You can choose to schedule an appointment at your home or office. Blood draws will be sent to an independent laboratory for analysis. We will cover all fees for this service. Please note: Accurate blood studies require an 8-12 hour fast and avoidance of heavy exercise for the 24 hours prior to your paramedical exam.

Key
Exam	Exam + APS
Blood draw, urinalysis and paramedical exam	Blood draw, urinalysis, paramedical exam and physicians report

Minimum medical requirements Term Life Plan Level Term Life Plan And Term Plus^® Universal Life Plan
	Coverage amount
Age	Up to $500,000	$500,001 - $750,000	$750,001 - $1,000,000	$1,000,001 - $3,000,000
Up to 39	Exam	Exam	Exam	Exam + APS
40-49	Exam	Exam	Exam	Exam + APS
50-59	Exam + APS	Exam + APS	Exam + APS	Exam + APS
60-64	Exam + APS	Exam + APS	Exam + APS	Exam + APS

Minimum medical requirements Disability Income Protection and Office Overhead Expense Disability Insurance Plans
	Coverage amount
Age	Up to $1,900	$2,000 - $5,000	More than $5,000
20-35	Exam	Exam	Exam + APS
36-44	Exam	Exam	Exam + APS
45-49	Exam	Exam + APS	Exam + APS
50-59	Exam + APS	Exam + APS	Exam + APS

WEB.2458697.01.23

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Overview

Approved:

Modified:

Declined:

Financial

Medical

Current ADA Members & Students

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Overview

Approved:

Modified:

Declined:

Financial

Medical