Coverage During Training

A group insurance policy issued by The Guardian Life Insurance Company of America provides coverage during your dental school years.

  
      Benefit Summary
    
      Monthly Benefit
      Years 1 and 2 $1,500 per month. Years 3 and 4 $2,000 per month.
  
      Definition of Total Disability
      During the first 5 years of a disability, disability means the inability to attend dental school and maintain active status. The student must not be working. After 5 years of disability, disability means the inability to attend dental school and maintain active status. Student must also be unable to perform the duties of any "reasonable" occupation for which the insured is suited based on education, training and experience and the student must not be working. The disability must occur while insured and you must satisfy a period of 90 days during which you are totally disabled. An injury or illness diagnosed or treated within the 12 months prior to the plan's effective date is not covered.
   
      Survivor Benefit
      Six times the amount of the last monthly payment you received.

      Lump Sum Benefit
      $5,000 will be provided as a lump sum benefit if you become totally and permanently disabled, as defined by the policy.
    
      Restrictions and Limitations
      If you are totally or partially disabled due to a mental, nervous, or emotional disorder, alcoholism, or drug dependency, but are not hospitalized, a maximum of 24 monthly payments will be paid for the duration of your disability. If hospitalized, benefits will be paid similar to other disabilities.

Benefit Summary
Monthly Benefit	Years 1 and 2 $1,500 per month. Years 3 and 4 $2,000 per month.
Definition of Total Disability	During the first 5 years of a disability, disability means the inability to attend dental school and maintain active status. The student must not be working. After 5 years of disability, disability means the inability to attend dental school and maintain active status. Student must also be unable to perform the duties of any "reasonable" occupation for which the insured is suited based on education, training and experience and the student must not be working. The disability must occur while insured and you must satisfy a period of 90 days during which you are totally disabled. An injury or illness diagnosed or treated within the 12 months prior to the plan's effective date is not covered.
Survivor Benefit	Six times the amount of the last monthly payment you received.
Lump Sum Benefit	$5,000 will be provided as a lump sum benefit if you become totally and permanently disabled, as defined by the policy.
Restrictions and Limitations	If you are totally or partially disabled due to a mental, nervous, or emotional disorder, alcoholism, or drug dependency, but are not hospitalized, a maximum of 24 monthly payments will be paid for the duration of your disability. If hospitalized, benefits will be paid similar to other disabilities.

To obtain more information of this offering please click below or call (800) 214-7039 to speak with an InsMed representative. For specific policy features, click here.

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**The above coverage summary is for educational purposes only. Actual policy will govern.

Common Causes of Disabilities

What are the most common causes of disability? The truth might surprise you.

Musculoskeletal/connective tissue disorders, such as joint, muscle and tendon disorders are the #1 cause of disabilities.
Illnesses like cancer, heart disease or diabetes cause the majority of long-term disabilities.
Injuries are another common cause of disabilities; however, most are not work-related, and therefore not covered by workers' compensation.