Disability Insurance for Oral Surgeons

Short term disability usually lasts for 3-6 months and is intended to cover you immediately following a serious illness or injury.  In the event that you are out of work as an Oral Surgeons for longer than 6 months it is important that you have long term disability own-occupation insurance in order to maintain income replacement. If your condition keeps you out of work past the end of your short term disability benefit period a long term disability plan can pay you all the way to retirement, depending on your plan.

An own-occupation insurance policy for Oral Surgeons covers individuals who become disabled and are unable to perform the majority of their duties in their specific field of study. This is in contrast to a standard any-occupation disability plan which would require the insured to be deemed fully disabled and unable to work at all. With an own-occupation disability plan you would receive compensation in the event you can no longer practice Dentistry, regardless of income earned in another occupation.

This is what makes the policy designed for your specific occupation as an Oral surgeon.  If you become sick or injured and can’t perform the specific duties of a Dentist, you will receive full benefits from your policy regardless of income earned while working in another occupation.

Many illnesses start off slow.  While you may still be able to work as an Oral Surgeon, you might not be able to work as many hours or perform all your duties.  If you have a partial loss of income, you will receive partial benefits from your disability policy.

As your income grows, this rider guarantees your ability to buy more insurance without medical underwriting

If you become sick or injured and can’t work for a long period of time, this rider will keep your disability payment in pace with inflation.  This rider will increase your benefit by 3% or 6% based on the actual consumer price index (CPIU).

Have you ever heard of a Student Loan Rider? We represent some carriers that will reimburse you for student loan payments over a 10 to 15 year period. In the event that you become disabled before your loans are paid off you can have the peace of mind knowing that your Student Loan Debt as a Dentist is covered.

If your disability is severe and leaves you needing assistance with daily living, this rider will pay an additional monthly benefit.