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A Claims Process Tailored Just for You

Get a personalized, straightforward claims experience with professionals who work exclusively with ADA members.

Experience and one-on-one relationships are just two of the ways that Protective provides an insurance claims process that's focused on your needs as an ADA member and on the needs of your family.

Protecting yourself and your dental practice with appropriate insurance helps ensure that unexpected events won't put your business — or your family — in financial jeopardy. But you also want to feel confident that the insurance benefits you've paid for will be there when you need them. If you've never made a claim, you may wonder how difficult the process is and how long approval takes. Protective understands these concerns, which is why the claims process is simple and straightforward. Through our longstanding relationship with the ADA, we've tailored the claims process to suit you — ADA member dentists and dental students — first. Here are three advantages of the Protective claims process.

Advantage 1: Strong relationships and an ADA member-focused professional

Our claims division works exclusively with ADA members, so Protective claims professionals have a long history and deep familiarity with members' claims. That expertise enables claims professionals to focus attention on you and your claim. When you have a claim, you typically work with one claims professional from the beginning to the end of the claims process. The claims professional acts as your guide, helping you through what can be a difficult time for you and your family.

Advantage 2: A depth and breadth of knowledge

Because Protective has worked so long and so extensively with dentists and dental students, we understand the health risks you face — risks that might lead to insurance claims, including neck and back injuries, degenerative disc disease, nervous system diseases, and arthritis. Starting the claims process with a thorough understanding of the occupational demands of dentistry allows our professionals to quickly review your forms and requirements. This may lead to faster resolution on your claim, benefiting you — the ADA member — and your family.

Advantage 3: A focus on validating claims, for the good of all members

The primary objective of our claims process is to determine the validity of the claim as promptly as we can to help ensure that you receive the benefits you deserve in a timely manner. Confirming the validity of claims also helps protect all ADA members, even those who never need their benefits. Our focus on legitimate claims means that plan participants aren't burdened with higher premium costs driven by payments on unnecessary claims.

A claims process that works exclusively for you

With ADA Members Insurance Plans from Protective Life, you can take comfort knowing that should you ever need your benefits in the future, we offer a personalized, straightforward claims experience with professionals who work exclusively with ADA members. If you need to submit a claim, you can easily download claim forms and find clear instructions for completing and submitting your claim so you can begin the process quickly.

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The information on this website is not a contract. Protective and Protective Life refer to Protective Life Insurance Company (PLICO) Nashville, TN, and its affiliates, including Protective Life and Annuity Insurance Company (PLAIC) located in Birmingham, AL. Insurance products are issued by PLICO in all states except New York, and in New York by PLAIC. Product availability and features may vary by state. Each company is solely responsible for the financial obligations accruing under the products it issues. Product guarantees are backed by the financial strength and claims-paying ability of the issuing company. Protective® is a registered trademark of Protective Life Insurance Company. The Protective trademarks, logos and service marks are property of Protective Life Corporation and are protected by copyright, trademark, and/or other proprietary rights and laws. ADA® is a registered trademark of the American Dental Association. The ADA trademarks, logos, and service marks are the property of the American Dental Association and used by Protective with permission.

TL-P 1-21 is term life insurance policy, TL-ST- P 2-21 is student term life insurance policy, LT-P 1-21 is a level term life insurance policy, and TP-P 11-20 is a universal life insurance policy issued by PLICO in all states except New York where it is issued under form (TL-P-NY 1-21, TL-ST-NY 2-21, LT-P-NY 2-21, TP-P-NY 2-21) by PLAIC. Policy form numbers, product features, and availability may vary by state. 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 American Dental Association (ADA). Each Plan participant will receive a Certificate of Insurance explaining the terms and conditions of the policy. In some states, the ADA is entitled to receive royalties from the ADA Members Insurance plans. An insured must maintain ADA membership throughout the selected term to remain eligible for insurance. For level term life insurance, premiums are fixed based on the member's age and coverage amount. For universal life insurance premium Credit is not guaranteed but reevaluated semi-annually. Recommended premiums consist of the cost of insurance (which may 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 depending on the amount maintained in the Policy Value Account.

IP-P 7-20 is a Disability Income policy, ST-P 8-20 is a student disability policy, OE-P 9-20 is an Office Overhead Expense Disability policy, CI-P 7-20 is a Critical Illness policy, HI-P 11-20 is a Hospital Indemnity insurance policy issued by PLICO in all states except New York where it is issued under form (IP-P-NY 12-20, ST-P-NY 1-21, OE-P-NY 1-21, CI-P NY, HI-P 7-20) by PLAIC. Policy form numbers, product features, and availability may vary by state. Consult the policy for benefits, riders, limitations, and exclusions. Benefits adjusted for misstatements of age or sex. Benefits are provided under a group policy and issued to the American Dental Association. Each Plan participant will receive a Certificate of Insurance explaining the terms and conditions of the policy. Premiums increase every five years for Disability Income. Premiums increase every 10 years based on age for Office Overhead Expense Disability. Premium credit is not guaranteed but reevaluated semi-annually.

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

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