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ADA Disability Income Protection Insurance Plan
Underwritten by Protective®

The amount of disability insurance needed is typically 60%1 of your net monthly income in case the unexpected happens. With 1 in 42 dentists becoming disabled long enough to miss out on income before reaching retirement, chances are you may need to access this coverage at some point in your career.

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ADA Disability Income Protection Insurance Plan Underwritten by Protective®
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The amount of disability insurance needed is typically 60%1 of your net monthly income in case the unexpected happens. With 1 in 42 dentists becoming disabled long enough to miss out on income before reaching retirement, chances are you may need to access this coverage at some point in your career.

FACT

Your future income is your biggest asset

Is yours protected?

To be sure you can support you and your family's current lifestyle in case the unexpected happens, explore exclusive ADA member coverage, or get a quote for ADA Disability Income Protection Insurance, underwritten by Protective®.

Learn

Know the facts. Stay protected.

Explore the myths vs. facts of disability coverage with this downloadable resource:

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Stay protected

Disability Income Protection Insurance Plan for ADA members

ADA Disability Income Protection Insurance, underwritten by Protective, is a great choice for practicing dentists.

Ready to learn more about protecting your income?

Questions? Talk with an Alliant Insurance Services agent at 800.789.5655 for assistance (weekdays from 8:30 a.m. to 6 p.m. Central Time) or Email ada@alliant.com.

Practical features built in

As an ADA member, you have exclusive access to these benefits:

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Built-in true "own occupation" coverage

If you remain an ADA member, receive benefits even if you practice in another area of dentistry should a total disability prevent you from practicing

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Benefits are payable to age 673

Or if you become disabled between ages 65 and 75, benefits are payable for 24 months

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Flexible waiting periods

30, 60, 90 or 180 consecutive days of disability before your benefits begin

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Limited benefits for mental and nervous disorders3

including limited benefits for disabilities resulting from alcohol, drug, chemical or substance abuse

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Get up to $15,000 a month

in coverage to help protect you and your family from a potentially devastating financial loss if you were to become disabled

1If your net monthly income exceeds $20,000, contact an Insurance Plan Specialist for assistance.

2Odds of disability are based on actual disability claims submitted to Protective by insured ADA members.

3Benefits are payable to age 67, or if you become disabled between ages 65–75, benefits are payable for 24 months. Benefits are limited to 12 months for disabilities resulting from alcohol, drug, chemical or substance abuse, dependency or addiction and any related mental illness.

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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 Omaha, NE 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) not available in New Mexico, 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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