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Dentist Disability Insurance |
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ProVider Plus disability income insurance can serve as an outstanding dentist disability insurance policy. As a dentist, you are susceptible to a number of illnesses and injuries that could diminish or perhaps even eliminate your income. It can be wearing to stand over patients for hours on end and the skilled use of hands is extremely important to most dentists. An ideal dentist disability insurance policy is one that is very sensitive to both partial (residual disability) and your specific occupation. The best dentist disability insurance policy, ideally, would pay full benefits in the event that a dentist could not work in his or her specialty, even if the disability did not preclude the dentist from doing some other line of work. After all, as a dentist, you have spent years of study perfecting your skills and many tens of thousands of dollars in education. It is not only protection of your ability to earn a living that is important, but also protecting your ability to earn a living as a dentist. While there is no one policy that is specifically called a dentist disability insurance policy, ProVider Plus is well designed for the dental profession. Any specialty that is recognized by the American Dental Association can be considered your regular occupation. If an injury or illness prevents you from performing your own occupation, you may be entitled to receive full benefits until age 65, or perhaps lifetime, even while you work as a dentist in another specialty or in some other profession. This is a truly own occupation feature that is difficult, if not impossible to find in other plans that appear to be good dentist disability insurance.
Another feature of ProVider Plus that makes it function as an ideal dentist disability insurance policy is the way it treats residual disability. If your income diminishes due to illness or injury yet you are still able to work full time, you may still qualify for benefits. For example, a minor back injury may prevent you from seeing as many patients as you did previous to the injury. After satisfying the elimination period, you could receive benefits for as long as your income was lower than it was before the injury, without any loss of time or duties.
Yet another reason ProVider Plus functions as an ideal dentist disability insurance policy is the higher benefits it can pay during residual disability due to income averaging. For more information see Residual Disability Benefits Rider: previous six months average loss
For more information on why we believe ProVider Plus disability income is highly suitable for a dentist disability insurance policy:
See "It's All About Definitions" and "Other Exceptional Features of ProVider Plus" |
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Policy Forms 0100, 1100 and 2100 are underwritten and issued by Berkshire Life Insurance Company of America, Pittsfield, MA, a wholly-owned stock subsidiary of The Guardian Life Insurance Company of America ("Guardian"), New York, NY. Policy Forms NC111 and NC112 in CA are provided by Guardian. Product provisions and features may vary by state. |
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