March 28, 2008, Newsletter Issue #7: Dentist Disability Insurance Is Available for Dental School Students

Tip of the Week

Dental school students can often find dentist disability insurance to cover them while they are still enrolled. While your income may be modest, during your dental school career, you still have expenses that continue in the event of a disability. There is some low cost disability insurance for dentists who are still in the education phase.
These could prove to be a financial lifesaver should you become disabled. Most of the plans offered normally pay from $1,000 to $2,000 per month should you suffer a covered disability. Most student plans require some or all of the following to qualify for disability eligibility:
Unable to continue your dental studies for a minimum of 60 to 90 days Coverage will extend for up to around 24 months, with extensions allowed under certain circumstances No medical exam is normally required if you are under a stated age (35, 40, etc.). If you are over the stated age, you may have to provide proof of your medical history to qualify Your student plan may be convertible to a full dentist disability insurance policy, if this provision is included in your coverage Student loan payments and other regular expenses, if you suffer an injury or illness that prohibits you from pursuing your dental studies for some period of time, will continue during your disability. For a reasonable cost, you should consider this coverage while you’re still in dental school.


If you’re a dental resident you may be able to purchase disability insurance for a resident dentist while you’re in residency. The amounts offered are often more than your current income since they reflect the likelihood that you will have substantially more income when you go into practice. Since the premium is locked in to age 65 on the better policies this is a recommended and prudent financial action. 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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