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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, 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 refers to Protective Life Insurance Company (PLICO) and its affiliates, including Protective Life and Annuity Company (PLAIC). PLICO, founded in 1907, is located in Nashville, TN 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), 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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