WHY DENTAL STUDENTS NEED INSURANCE

Make sure you have the coverage you need now to help protect yourself and those you love.

Visit insurance.ada.org

1 It’s generally easier to qualify for coverage when you are younger and healthier.

3 If you intend to buy a practice, you can use it as collateral for a loan.

Even if you get disability coverage from your employer, find out if the disability insurance includes true own-occupation coverage. If you are disabled from your specialized area of dentistry, you get full benefits, even if you are able to work in another area of dental practice or choose to pursue a new field.

5

4You may not be able to keep up with student loan payments if disabled: The average amount of debt for a graduating dental student is $287,331.3

6 Social Security disability benefits aren’t enough: At the beginning of 2017, Social Security paid an average monthly disability benefit of just $1,170.4

7 1 in 4 dentists will become disabled long enough to collect disabilitypayments at some point before retirement.5

The reality is every year students become disabled.

WHY YOU NEED IT NOW: If you get sick or hurt, you may have to pause your studies, or you may no longer be able to complete dental school. Disability coverage can help tide you over or help you find a fresh start.

DISABILITY INSURANCE IS VASTLY OVERLOOKED.

72%think most people need it.

33%own it.1

UP TO+

ADA STUDENT MEMBERS DISABILITY INSURANCE PLAN

OF NO-COST COVERAGE

$2,000month

$150,000in student loan repayment benefits.

HAVING COVERAGE NOW HELPS YOU PROTECT YOUR GREATEST ASSETS — YOU AND YOUR FAMILY.

7 REASONS WHY YOU NEED IT AFTER YOU GRADUATE.

increases to $100,000 on July 1 of the year you graduate.

ADA STUDENT MEMBERS TERM LIFE INSURANCE PLAN

OF NO-COST COVERAGE

$50,000

WHY YOU NEED IT NOW: Life insurance helps to take care of your loved ones if you pass. It can help your loved ones remain in their home, provide for college education and cover other costs that your family will need to meet. It can also help pay for a funeral and burial.

85%agree that most people need it.

LIFE INSURANCE IS IMPORTANT, BUT NOT A PRIORITY FOR SOME.

59%own it.2

1 2016 Insurance Barometer Survey: advisor.simplicitymarketing.com/wp-content/uploads/2017/01/2016-Insurance-Barometer.pdf2 2017 Insurance Barometer Study by Life Happens and LIMRA: www.lifehappens.org/press-releases/2017-insurance-barome-ter-study-reveals-that-consumers-want-transparent-life-insurance-buying-options3 2017 American Dental Education Association: www.asdanet.org/index/get-involved/advocate/issues-and-legis-lative-priorities/Dental-Student-Debt4 2017 Social Security Administration Disability Factsheet: www.ssa.gov/disabilityfacts/materials/pdf/factsheet.pdf5 Odds of disability determined by Great-West Life in 2014 after studying years of disability claims submitted by insured ADA members.

Visit insurance.ada.org, call 855.411.5199 or email planspecialist@greatwest.com for more information and to learn about coverage provisions, limitations, terms for keeping coverage in force and the option to convert to member coverage after graduation by paying ADA member-only premiums and maintaining ADA membership.

Student coverage is issued regardless of your condition if you are under 45. If you are 45 or older, you can apply for the no-cost coverage and all student program features by providing proof of good health. Coverage renews automatically each academic year. Individuals may convert coverage to the plans for practicing dentists after graduation by paying ADA member premiums and maintaining ADA membership.

This material is not a contract. Benefits are provided through a group policy (Nos. 1108GDH-SDP Student Disability, 1105GDH-IPP Disability Income Protection, and 104TLP Term Life) filed in the State of Illinois in accordance with and governed by Illinois law, issued to the American Dental Association, and underwritten by Great-West Financial®. All ADA-sponsored coverage is subject to underwriting and is not guaranteed issue unless specifically stated otherwise. Coverage that is guaranteed issue is subject to a pre-existing condition limitation. The ADA is entitled to receive royalties from the ADA Members Insurance Plans. Coverage is available to eligible ADA members and student members in all fifty states and US territories under the aforementioned group policy. Each insured will receive a certificate of insurance explaining the terms and conditions of the policy. Great-West Financial®, Empower Retirement and Great-West InvestmentsTM are the marketing names of Great-West Life & Annuity Insurance Company, Corporate Headquarters: Greenwood Village, CO; Great-West Life & Annuity Insurance Company of New York, Home Office: NY, NY, and their subsidiaries and affiliates, including Advised Assets Group, LLC and Great-West Capital Management, LLC. GWL&A is not licensed in New York, but eligible members residing in New York may request and ultimately receive coverage under the aforementioned group policy. ©2018 Great-West Life & Annuity Insurance Company. All Rights Reserved. AM324638-0218

ADA® is a registered trademark of the American Dental Association and Great-West Financial® is a registered trademark of GWL&A.

Every year dental students pass away.

2 If you are self-employed, you won’t get it from an employer.