Coverage for Graduates — InsMed

Coverage Upon Graduation

When you complete your dental school program you are entitled to convert your coverage to an individual, portable non-cancelable policy without medical underwriting. The policy you are able to obtain will be based on the policy available in the state you reside in at the time of conversion.

  
      Benefit Summary
    
      Monthly Benefit
      Up to $2,000/month of coverage. Ability to defer up to $1,000/month of coverage for future use.
  
      Definition of Total Disability: 
      Disability is defined as the inability to perform your own specialty for the entire benefit period.
   
      Partial Disability:
      Includes coverage for partial loss of income due to disability.

      Benefit Period:  
      Benefits are provided after 90 days of disability until the age of 67 or recovery.
    
      Plan Rates:  
      Rates will vary based on such factors as insured‘s age, gender, specialty, smoking status, benefit amount, and  state of residence.

Benefit Summary
Monthly Benefit	Up to $2,000/month of coverage. Ability to defer up to $1,000/month of coverage for future use.
Definition of Total Disability:	Disability is defined as the inability to perform your own specialty for the entire benefit period.
Partial Disability:	Includes coverage for partial loss of income due to disability.
Benefit Period:	Benefits are provided after 90 days of disability until the age of 67 or recovery.
Plan Rates:	Rates will vary based on such factors as insured‘s age, gender, specialty, smoking status, benefit amount, and state of residence.

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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**THIS GUARANTEED POLICY MAY NOT BE AVAILABLE TO ANY APPLICANT WHO HAS BEEN DECLINED COVERAGE IN THE PAST YEAR BY AMERITAS OR ANY OTHER INSURANCE COMPANY.

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.