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ADA Members Disability
Insurance plans
Underwritten by Protective®

The following disability insurance plans help ensure that your personal income and dental practice don't suffer if you become disabled as a result of an illness or injury.

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ADA Disability Income Protection Insurance Plan Underwritten by Protective®
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Introduction Picture

The following disability insurance plans help ensure that your personal income and dental practice don't suffer if you become disabled as a result of an illness or injury.

1 out of 4 dentists will be disabled long enough to collect benefits at some point before retirement.1

If a serious injury or illness prohibited you from practicing, could you, your family and your practice afford the financial loss? These disability plans incorporate features specifically tailored to your unique skillset.

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ADA Disability Income
Protection Insurance
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ADA Office Overhead Expense
Disability Insurance
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ADA Disability Income Protection Insurance

Get great disability coverage that focuses on your financial well-being. This plan is exclusively available to ADA members up to age 67 at competitive group rates you may not find on your own. It provides a source of income if a residual or total disability prevents you from practicing in your specialized area.

With true "own occupation" coverage included, you can continue to receive benefits even if you're able to practice in other areas of dentistry or choose to enter a new profession.

ADA Office Overhead Expense Disability Insurance

Protect the practice you've worked so hard to build with the security and built-in benefits that insurance provides. As an ADA member, you're eligible to receive payments up to $25,000/month to help cover important business expenses such as payroll for your staff, monthly rent or mortgage payments, and medical insurance for the office, just to name a few. You can also use it to pay off student loans.

Ready to get started?

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Questions? Talk with an Insurance Plan Specialist at 866-607-5338 for assistance
(weekdays from 8 a.m. to 6 p.m. Central Time) or Email ADAPlanSpecialist@protective.com.

1Odds of disability are based on actual disability claims submitted by insured ADA members.

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The information on this website is not a contract. Protective refers to Protective Life Insurance Company (PLICO) and its affiliates, including Protective Life and Annuity Company (PLAIC). PLICO, founded in 1907, is located in Nashville, TN and is licensed in all states excluding New York. PLAIC is located in Birmingham, AL, and is licensed in New York.

Protective® is a registered trademark of PLICO. The Protective trademarks, logos and service marks are property of PLICO and are protected by copyright, trademark, and/or other proprietary rights and laws. ADA® is a registered trademark of the American Dental Association (ADA). ADA Members Insurance Plans® is a registered service mark of the ADA. The ADA trademarks, logos, and service marks are the property of the ADA and used by Protective with permission. In some states, the ADA is entitled to receive royalties from the ADA Members Insurance Plans.

ADA Members Insurance Plans refers to the group life, disability, and supplemental medical policies issued by PLICO and PLAIC to the ADA.

Policies issued by PLICO in all states except New York: Term Life Insurance1 (TL-P 1-21), Student Term Life Insurance (TL-ST-P 2-21), Universal Life Insurance1 (TP-P 11-20), Level Term Insurance2 (LT-P 1-21), Disability Income Protection Insurance3 (IP-P 7-20), Office Overhead Expense Disability Insurance4 (OE-P 9-20), Student Disability Income Insurance3 (ST-P 8-20), Hospital Indemnity Insurance (HI-P 11-20), and Critical Illness Insurance (CI-P 7-20).

In New York, policies issued by PLAIC: Term Life Insurance1 (TL-P-NY 1-21), Student Term Life Insurance (TL-ST-P-NY 2-21), Universal Life Insurance1 (TP-P-NY 2-21), Level Term Life Insurance2 (LT-P-NY 2-21), Disability Income Protection Insurance3 (IP-P-NY 12-20), Office Overhead Expense Disability Insurance4 (OE-P-NY 01-21), Student Disability Income Insurance1 (ST-P-NY 1-21), Hospital Indemnity Insurance (HI-P-NY 1-21), and Critical Illness Insurance (CI-P-NY).

Consult the policy for benefits, riders, limitations, and exclusions. Benefits adjusted for misstatements of age or sex. Benefits are provided under a group policy issued to the ADA. Each Plan participant will receive a Certificate of Insurance explaining the terms and conditions of the policy. An insured must maintain continuous ADA membership to remain eligible for insurance.

1For term life insurance and universal life insurance, premiums increase annually based on age. The Premium Credit is not guaranteed but reevaluated periodically. Universal life recommended premiums consist of the costs of insurance (which vary based on the member’s age and coverage amount), the amount a member places into the Policy Value Account and service charge. Premium deposits may fluctuate or remain level.

2For level term life insurance, premiums are fixed based on the member’s age, gender and coverage amount at issue.

3Premiums increase every five years based on age for disability income protection. Premium Credit is not guaranteed but reevaluated periodically.

4Premiums increase every 10 years based on age to age 60 and every 5 years thereafter to age 75 for office overhead expense disability. Premium credit is not guaranteed but reevaluated periodically.

Coverage for dental student members is issued regardless of condition if under age 60. Coverage automatically renews each academic year. Individuals may convert coverage to the plans for practicing dentists after graduation by paying member premiums and maintaining continuous ADA membership.

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