In part one of this two-part series, we discussed how disability and life insurance can be an important part of wellness. In this blog post, we’ll take a closer look at how ADA student members disability insurance can help protect your financial wellness in the face of a disabling illness or injury.
Dentists and disabilities: Here’s what you should know
According to disability claims filed with ADA Members Insurance Plans issued by Great-West Financial®, the greatest number of disabilities among ADA members are related to the musculoskeletal system. These can range from back or neck injuries to degenerative disc disease or herniations. Injuries like these are not unusual, considering the physical toll dentistry can take with long hours of standing, bending over into awkward positions and repetitive hand motions.
Other common disabling illnesses claimed by ADA members also include nervous system diseases, arthritis, cancer and mental illness. All of these illnesses can prevent you from working for months, years or even permanently. This is why it’s so important for dentists to be protected by disability insurance.
Why dental students need disability protection
We offer disability and life insurance to ADA student members at no cost because even something as random as a spill off your bike could leave you disabled, interrupting or preventing you from completing your studies or pursuing your career. This could leave you or your loved ones with significant debt.
Access the convenience of conversion
As early as January of your D4 year, you can convert your ADA student members disability insurance to the more comprehensive, paid insurance plans for practicing ADA members without a medical exam. Many ADA student members choose to convert early so they can start their professional life with the confidence of knowing that they have the coverage they need to help keep their loved ones financially protected at exclusive ADA member rates.
Did you know? You can register for your student members insurance at insurance.ada.org/test. You can even get a $5 Gourmet Coffee Card if you register your account before Oct. 31.*
~Nancy Fix, Great-West Financial® Insurance Plan Specialist
* Only one Gourmet Coffee Card per student. Offer ends Oct. 31, 2018.
Visit www.insurance.ada.org, call 855.411.5198 or email firstname.lastname@example.org for more information and to learn about coverage provisions, limitations, terms for keeping coverage in force and the option to convert to member coverage after graduation by paying ADA member premiums and maintaining ADA membership.
Student coverage is issued regardless of your condition if you are under 45. If you are 45 or older, you can apply for the no-cost coverage and all student program features by providing proof of good health. Coverage renews automatically each academic year. Individuals may convert coverage to the plans for practicing dentists after graduation by paying ADA member premiums and maintaining ADA membership.
Benefits are not payable, as defined by the respective policy, for death or disability resulting from a sickness, disorder, physical condition, or symptom that existed or was treated within 12 months prior to enrollment.
This material is not a contract. Benefits are provided through a group policy (Nos. 1108GDH-SDP Student Disability and 104TLP Term Life) filed in the State of Illinois in accordance with and governed by Illinois law, issued to the American Dental Association by Great-West Financial®. The ADA is entitled to receive royalties from the ADA Members Insurance Plans. Coverage is available to eligible ADA members and student members in all fifty states and US territories under the aforementioned group policy. Each Plan participant will receive a Certificate of Insurance explaining the terms and conditions of the policy. Great-West Financial® is a marketing name of Great-West Life & Annuity Insurance Company, Corporate Headquarters: Greenwood Village, CO; Great-West Life & Annuity Insurance Company of New York, Home Office: NY, NY, and their subsidiaries and affiliates. GWL&A is not licensed in New York, but eligible members residing in New York may request coverage under the aforementioned group policy. ©2018 Great-West Life & Annuity Insurance Company. All Rights Reserved. AM595104-0918
ADA® is a registered trademark of the American Dental Association and Great-West Financial® is a registered trademark of GWL&A.
This content is sponsored and does not necessarily reflect the views of ASDA.
ADA-sponsored disability and life insurance is offered at no cost to ADA student members as a benefit of membership. This coverage is underwritten by Great-West Financial® and can convert to the insurance plans for practicing ADA members after graduation.