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March 14, 2008, Newsletter Issue #5: Commonly Considered Factors When You Apply for Dentist Disability Insurance
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Tip of the Week
Here are some of the factors that you should consider when you look for a dentist disability insurance policy. These and possibly other factors can influence your eligibility for coverage and/or the rates you might be quoted.
Definition of disability. Do you want an “any-occupation” or an “own-occupation” type policy? One type of policy usually states that you’ve recovered from your disability when you become able to perform the duties of any gainful occupation. With “own-occupation” provisions, you are normally considered to be disabled until you can resume the duties of your specialty. Non-cancelable or guaranteed renewable coverage. If you want this important provision usually included in most disability insurance for dentists coverage. Age, gender, and health condition. You will not be surprised to learn that these factors weigh heavily in your eligibility and/or cost for protection. Your specific specialty. Own occupation coverage on some of the better disability insurance for dentists further expand the definition to defining your occupation (own occupation coverage) to disability coverage in your specialty. For example, if you're an orthodontist and cannot practice orthodontistry because of illness or accident then the claim would be paid (subject to insurance company approval).Options, riders, and extra provisions. An additional feature you want such as residual (partial) disability. Many policies also include or offer: presumptive disability, inflation protection, and a future disability option (ability to increase limits without medical exam). There may be other factors, including the financial rating of the insurance company you’re considering that are important in the choice of your coverage. Use informative websites like ProtectYourIncome.com to get all the information you need to find the best dentist disability insurance program for you.
Refer to your insurance policy contract for specific information regarding your coverage and for actual terms, conditions and exclusions. The above statements are general in nature and may or may not reflect the actual terms of your insurance policy.
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