Guardian disability insurance dentist

If you want more protection, you may want to add extra coverage on top of your long term or individual disability plan. Supplemental disability insurance can be a great add-on for employees and individuals who want to protect a greater percentage of their income, bonuses or commissions. You may even be able to get a policy through your work. Here are five of the leading disability policies for dental professionals.

Disability happens to more people, more often than you may think. Seeing as we target dentists , and dentists only, we have a wealth of knowledge in the industry. Why dentists need disability insurance. Dentists need long-term disability insurance for one primary reason: Becoming a dentist is really expensive. About of dental grads have student loan debt greater than $1000 and more than have student loan debt over $30000.

Talk to a financial representative Let’s connect you with someone that can get everything started. We help protect your life, health and wealth. Nothing is more important than the physical and financial well-being of the people you love, which is why we offer products to help protect them today, tomorrow, and every day in the future. How much does disability insurance cover?

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In fact, more disabilities are caused by illness than injury, including common conditions like heart disease and arthritis,. Products are not available in all states. Policy limitations and exclusions apply.

This type of policy will ensure your business remains solvent during your inability to work from a disability. This is an additional reason why dentists and dental surgeons need disability insurance. Contrast this policy to a traditional disability insurance which pays a percentage of your income.

Northwestern Mutual’s normal policy allows more than income loss to be considered 1. Dentists and those with dental specialties have a unique need for disability insurance. While all professional occupations need to protect their income, dentist are especially vulnerable to accidents or illnesses that could affect their income. All of these companies have the available riders and policy language that you want as an oral surgeon.

An independent agent can sell you disability insurance from any of the “Big 5” disability insurance companies. When you acquire a policy you are engaging in a unilateral contract with the insurance company and the words in. Financial Balance Group LLC is a general agency of The Guardian Life Insurance Company of America, NY, NY. Agent information provided on this web site is for broker use only.

Under the Guardian residual benefit rider, more than income loss is considered 1. Dependent The individual is a dependent of a Member covered under a Guardian Group Insurance Plan. As long as the policy has all of the provisions and benefits you want, it comes down to price.