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University of Pittsburgh School of Dental Medicine

With the disability insurance programs that the School of Dental Medicine has to offer you, there is absolutely no reason for you to have “unprotected success”.

Finally, light at the end of the tunnel. You are wrapping up a significant portion of your life and you are ready to forge ahead. But protecting your greatest asset – your ability to earn a living – might not be at the top of your list of things to do right now. However, it certainly should be and we have simplified the process. The University of Pittsburgh School of Dental Medicine has provided ways for you to purchase a personal disability policy before you complete your training and move on. Whether you are continuing your training in a residency program, joining a practice or starting to practice, don’t let this opportunity pass you by. It is affordable no matter what stage of your career you are in. One option gives you a chance to lock in your income protection without medical or financial underwriting. The other provides an opportunity for special new professional limits and a permanent 10% discount. Both options offer the desirable “specialty protection” definition of disability.

Option One – Group Conversion Program*

During your training, you have been covered by a group long-term disability policy. In addition to providing you protection during your training, this policy also offers you a guaranteed conversion to an individual policy upon completion of your training. What this means to you at this very busy time, is that you can take the necessary steps to help protect your career and your future income in an easy and convenient manner. This coverage may be obtained by you without providing a health history, without undergoing a physical examination or blood work, and without any possibility of being excluded because of a pre-existing condition.

Highlights of this individual policy include a guaranteed standard issue of up to $2000.00 of monthly benefits; Protection of your Dental Specialty and Residual Disability (partial) Benefits to age 65; Non-cancellable-Guaranteed Renewable to age 65; Benefit period to age 65 – Sickness and Accident; Standard Rates. Your eligibility for this program expires 30 days after your completion date. Don’t wait, contact us today.

In addition, you may be eligible for higher levels of coverage (up to $16,000.00 monthly) through the Student & Resident Discounted Insurance Program.

Option Two – Student & Resident Discount Program

You may choose to protect your earning power with even more comprehensive coverage. Affordable, portable individual disability policy is eligible for a permanent 10% discount and allows for up to $16,000.00 in monthly benefit coverage. This is a medically underwritten plan for all University of Pittsburgh School of Dental Medicine students and residents and a physical examination and health history disclosure are required. Once insured, you may increase your coverage without providing additional medical information.

Highlights of this policy include potential monthly benefits of up to $16,000.00; Protection of your Dental Specialty and Residual Disability Benefits to age 65; Non-cancellable-Guaranteed Renewable to age 65; Benefit periods to age 65, age 67 or lifetime – Sickness and Accident; Standard Rates apply. Additionally, Cost of Living, Catastrophic and Retirement Protection Benefits are also available.

Is your residency or new employer providing disability benefits? Don’t let that stop you from inquiring about these Dental School Programs. The cost of personal insurance should not be an issue either. This is a window of opportunity you don’t want to miss. Contact your dental school disability insurance broker today.

* The Guardian Group Long Term Disability Plan at the University of Pittsburgh School of Dental Medicine is being phased out, beginning in the academic year 2014-2015. Students and residents who were previously covered under this plan will continue to be covered until graduation 2018, the expected termination date of the plan. Students and residents who are newly enrolled in the University of Pittsburgh School of Dental Medicine for the 2014-2015 academic year, or later, will be covered under a different LTD program. To determine your eligibility for the Guardian Group Conversion at graduation, please contact your administrator or your Guardian representative at Hurley Associates.