Disability Insurance for Dentists Who Can't Afford to Stop
No downtime. Kandelaki Solutions guarantees your income with disability coverage, letting you keep your practice running smoothly.
Why Disability Insurance is Essential for Dentists
Did you know that 28.7% of adults in the U.S. live with a disability, with nearly 30% of those aged 45-64 facing work-impacting health issues? For dentists, the risk is even higher. Your profession requires physical precision, long hours, and repetitive motions, all of which increase the likelihood of injury or illness that could affect your ability to work.
Income Protection
Safeguard your earnings if an illness or injury prevents you from practicing.
Tailored Coverage
Plans designed to meet the unique needs of dental professionals.
Peace of Mind
Focus on patient care without the constant worry of financial instability due to unforeseen health challenges.
How It Works
Simple Process, Powerful Protection
1. Request a Consultation
Answer a few simple questions about your profession and needs.
2. Get a Custom Quote
Receive a personalized disability insurance quote tailored to your career.
3. Choose Your Plan
Select the coverage that fits your income and lifestyle.
4. Stay Covered
Enjoy the peace of mind knowing you're protected.
Comprehensive Disability Insurance for Dentists
We offer comprehensive, doctor-specific disability insurance that keeps your income safe.
Insurance Types Available:
Own-Occupation Coverage: Protects your income if you’re unable to work in your specific specialty.
Practice Overhead Insurance: Ensures your practice’s expenses are covered while you’re unable to work.
Student Loan Protection: Safeguards your student loans during a period of disability, so you can focus on recovery.
Group vs. Individual Disability Insurance
Understanding the differences between employer-sponsored coverage and individual policies is crucial for comprehensive income protection.
Employer Group Coverage
Short-Term Disability
Typically covers 60-70% of your base salary for 3-6 months, with a 1-2 week elimination period. Often provided at no cost or subsidized by employers.
Long-Term Disability
Usually covers 50-60% of your base salary until retirement age, with a 90-180 day elimination period. Benefits are typically taxable when premiums are employer-paid.
While employer coverage provides a good foundation, it often has significant gaps that can leave professionals financially vulnerable during a disability.
Individual Disability Coverage
Individual disability insurance policies are specifically designed to complement or replace group coverage, providing more comprehensive protection tailored to your specific needs and profession.
Key differences from group coverage:
- Policies stay with you regardless of employment changes
- Benefits typically paid tax-free (when premiums are paid with after-tax dollars)
- Coverage can be tailored with specific riders for your profession
- Higher benefit amounts available, especially for high-income earners
- More favorable definitions of disability for your specific occupation
Individual disability insurance serves as the cornerstone of a comprehensive income protection strategy, filling gaps left by employer coverage and providing protection throughout your career.
Common Gaps in Employer Coverage
Taxable Benefits
Group policy benefits are typically taxable, reducing your actual income replacement to 40-50%.
Less Favorable Definitions
Group policies rarely include true own-occupation coverage for your specific profession.
Job Dependency
Coverage ends when you leave your employer, creating a significant protection gap.
Less Favorable Definitions
Group policies rarely include true own-occupation coverage for your specific profession.
Benefits of Individual Coverage
Portable Protection
Your policy stays with you regardless of job changes or career moves.
Customizable Coverage
Tailor your policy with riders specific to your profession and needs.
Tax-Free Benefits
When premiums are paid with after-tax dollars, benefits are received tax-free.
True Own-Occupation
Get full benefits if you can't work in your specific occupation, even if you work elsewhere.
Employer Group Coverage
Short-Term Disability
Typically covers 60-70% of your base salary for 3-6 months, with a 1-2 week elimination period. Often provided at no cost or subsidized by employers.
Long-Term Disability
Usually covers 50-60% of your base salary until retirement age, with a 90-180 day elimination period. Benefits are typically taxable when premiums are employer-paid.
While employer coverage provides a good foundation, it often has significant gaps that can leave professionals financially vulnerable during a disability.
Common Gaps in Employer Coverage
Taxable Benefits
Group policy benefits are typically taxable, reducing your actual income replacement to 40-50%.
Less Favorable Definitions
Group policies rarely include true own-occupation coverage for your specific profession.
Job Dependency
Coverage ends when you leave your employer, creating a significant protection gap.
Less Favorable Definitions
Group policies rarely include true own-occupation coverage for your specific profession.
Individual Disability Coverage
Individual disability insurance policies are specifically designed to complement or replace group coverage, providing more comprehensive protection tailored to your specific needs and profession.
Key differences from group coverage:
- Policies stay with you regardless of employment changes
- Benefits typically paid tax-free (when premiums are paid with after-tax dollars)
- Coverage can be tailored with specific riders for your profession
- Higher benefit amounts available, especially for high-income earners
- More favorable definitions of disability for your specific occupation
Individual disability insurance serves as the cornerstone of a comprehensive income protection strategy, filling gaps left by employer coverage and providing protection throughout your career.
Benefits of Individual Coverage
Portable Protection
Your policy stays with you regardless of job changes or career moves.
Customizable Coverage
Tailor your policy with riders specific to your profession and needs.
Tax-Free Benefits
When premiums are paid with after-tax dollars, benefits are received tax-free.
True Own-Occupation
Get full benefits if you can't work in your specific occupation, even if you work elsewhere.
Why You Need Both Types of Coverage
The ideal protection strategy combines employer-sponsored coverage with an individual policy to ensure comprehensive income protection during any disability.
What Other Doctors Say About Our Coverage
Why Choose Kandelaki Solutions?
Protecting What Matters Most
- Expert Knowledge: We understand the unique challenges faced by dentists.
- Affordable Plans: Tailored options that fit your budget while protecting your future.
- Quick and Easy Process: Simple steps to get you covered, fast.
Frequently Asked Questions
Find the answers you need about disability insurance and how we can help protect your income and future.
While health insurance covers medical expenses, disability insurance replaces your income when you’re unable to work due to an illness or injury. It ensures you can maintain your lifestyle and cover living expenses, even when you’re not earning.
A consultation ensures we provide you with a personalized, accurate quote tailored to your specific needs. Unlike generic calculators, we offer customized coverage options that suit your career and financial situation.
Applying is simple. Just fill out our online form to get a free quote. Our team will work with you to find the right plan based on your career, financial needs, and preferences. No obligation, just a straightforward process to protect your future.
The cost of disability insurance depends on factors such as your occupation, age, income, and coverage options. We offer affordable plans tailored to your needs, with flexible payment options. Contact us for a personalized quote.
The application process is quick and easy. Once you provide the necessary information, we can typically offer coverage within a few business days. Our goal is to get you protected as quickly as possible so you can focus on your work and life.