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Home Services Disability Income Insurance for Dentists

Disability Income Insurance for Dentists

Your ability to earn income is your most valuable asset. Disability income insurance protects your financial future when injury or illness prevents you from working.

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TH-26-016

Understanding Disability Income Insurance for Dentists

Whether you’re a dental professional in training or in practice, disability income insurance can protect your means of earning a living.

In the event of an injury or illness, this important risk management tool can supplement your lost income while you are unable to work.

Since health and age are both important factors when obtaining this type of policy, now may be an appropriate time to think about protection.
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Plan for the Present and the Future

Understand what the details and coverage of a policy could mean for you. Then, customize a policy that’s right for where you are in your career, with comprehensive options for your income scenario and the diverse circumstances that could affect it.

Our team can help you understand and explore disability income insurance for dental professionals, to find the appropriate fit for you.

Request a Consultation
A dentist in a white coat wearing a mask and blue gloves points to a panoramic dental X-ray displayed on a monitor while a patient reclines in the dental chair.

Disability Income Insurance Options at a Glance

Non-Cancelable and Guaranteed Renewable mean that the terms of your policy can’t be changed or canceled by the insurer, as long as premiums are paid on time.

Level Premiums provide consistent premium pricing from the time your policy begins, until age 65. If coverage is increased, the cost for the new coverage will be added to your original cost.

Graded Premiums begin with a lower premium cost and increase annually. Graded premiums can be changed to level premiums in future when they typically can be more easily afforded.

Future Insurability Options allow you to increase your coverage amount as your income grows, regardless of your health.

Partial Disability Coverage enables you to see patients part time and work a reduced number of hours, if you’re able to, while still receiving benefits for a partial disability.

Cost of Living Adjustments may help to keep disability benefits consistent with inflation through annual post-disability increases.

Own Occupation is a definition of disability covering disabilities that prevent you from working in the specific occupation you’ve been trained for and are currently working in.

Student Loan Riders may help you make your student loan payments while disabled.
Treloar & Heisel and Treloar & Heisel Property and Casualty are divisions of Treloar & Heisel, LLC. Insurance products are offered through Treloar & Heisel, LLC. These definitions are provided for general informational purposes only and are not binding. For the binding definitions, please review your insurance policy contract. Definitions may vary. Please consult with a licensed insurance professional. TH-20-044

Is Your Group Disability Coverage Enough?

If your employer or training program is currently providing your disability income insurance coverage, it’s time to take a closer look. Benefits may be tied to your current income, and coverage may not be portable when you complete your training program or change jobs.

An individual disability income (IDI) policy gives you more control. You can choose the right carrier, customize provisions, and lock in options like increasing coverage later without additional health questions. With student/resident discounts available, it’s a smart way to secure stronger, flexible protection early.
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Explore Disability Income Insurance With Treloar & Heisel

Treloar & Heisel offers services and solutions for every stage of your career. For decades, we have specialized in working with dental and medical professionals like you to build solid insurance foundations for solid financial futures.

About Treloar & Heisel

Treloar & Heisel, an EPIC Company, is a premier financial services provider to medical and dental professionals across the country. We assist thousands of clients from residency to practice and through retirement with a comprehensive suite of financial services, custom-tailored solutions, and a strong national network focused on delivering the highest level of service.

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With Us

It’s important that your insurance can keep up with every stage of your career. To explore your options, schedule your free consultation today.

  • Insurance for Dentists
  • Insurance for Practices
  • Insurance for Medical Residents
  • Financial Planning Services

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