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Searching: healthy gum
Results: 35
Message Board
Views: 373 | Replies: 16
out for 1 to 2 years with only a 30 day waiting period because the bills of the office have to get paid to keep the doors open and give the dentist a little time to get back and healthy to produce. This is typically paid through the practice and can be written off a normal business expense. 3
May 03, 2026
Disability Insurance
Message Board
Views: 399 | Replies: 28
benefits anymore because the cost would be so great for dentists based on the high claims rate. But, a lot of policies still offer 65, 67 or 70. But, would def recommend getting it. Even if you are not young or healthy, should at the very least look into getting it. Just make sure its worded in your
April 17, 2026
Disability Insurance
Message Board
Views: 319 | Replies: 16
that on the life side when you apply. I always give the same advice, just apply for both when you are young and healthy / lock in level rates. It will cost a little bit more for locked in rates, but then you save a boatload on the back end and also avoid higher rates, declines or exclusions. Best regards
April 14, 2026
Disability Insurance
Message Board
Views: 202 | Replies: 6
that I am healthier and focused on making my back stronger I do not have pain aside from the occasional difficult patient that you have to bend over really far for. Even then it is really fatigue. I became interested in increasing my policy when one of my classmates had to retire after 7 years
November 07, 2024
Disability Insurance
Message Board
Views: 68 | Replies: 1
New emergency patient is seen for gum pain 8-9 mm pockets UR quadrant around tooth #3. A D4342 1-3 deep cleaning is done. Patient is happy. Two months later patient becomes a full patient. 4 Quadrants of SRP are done appropriately. Insurance denies the UR quadrant D4341 because the D4342 was done
August 26, 2020
Disability Insurance
Message Board
Views: 160 | Replies: 3
Im reaching out to see if I am over-paying for my disability plan. I have had a guardian own-occupation plan for five years. I started when I was 32, totally healthy, no meds, no children.I was on a graded plan but my level premium will soon be $650 a month for $6200 monthly payout until 67
February 12, 2021
Disability Insurance
Message Board
Views: 203 | Replies: 0
Less than 5 years out here. Looking into disability with Guardian as I've heard great things. Im a Healthy 29 year old male just wondering if there's anything I should be aware of in a policy before signing? Do people have lawyers review their policies prior to enacting them? First time doing
November 20, 2018
Disability Insurance
Message Board
Views: 178 | Replies: 1
I am female dentist in my early 30s, healthy ,clean medical history . I was looking to get disability insurance and started the process about a month ago . I got approval from principal , and guardian has been asking more information regarding some complication I had during pregnancy 3 years ago
February 11, 2022
Disability Insurance
Message Board
Views: 99 | Replies: 3
you have time to get healthy or find a replacement or find a viable buyer. That is the least I would recommend typically. What state are you in? There should be some discounts available depending on which state you are starting the practice in. Best of luck.Hello
March 06, 2018
Disability Insurance
Message Board
Views: 182 | Replies: 1
Been looking for a good disability policy for past few weeks. Healthy, mid-30's, no student loans... 3 total visits to doctor 8 years ago for some anxiety during board exams, doc didnt think much of it... welcome to the club he said to me. LOL in hindsight. Made a graph to help me. Thoughts
January 10, 2019
Disability Insurance
Message Board
Views: 428 | Replies: 5
will have to pick up a new plan, then the disability insurance premiums reset, I'll be older but hopefully just as healthy. Thoughts? never cancel your policy... at least that is what I've been told. uhh......okay.....anyone else?When u apply for more disability ins they ask if you have other
December 19, 2015
Disability Insurance
Message Board
Views: 248 | Replies: 5
have to file 2 claims. A lot of general dentists & specialists implement 2 separate polices in order to increase coverage past the individual company issue limits. It's a smart move while you are young & healthy. Guardian & Met / Principal are strong picks. Try to find a dental
April 19, 2016
Disability Insurance
Message Board
Views: 469 | Replies: 2
never be changed, unless you want it to? The rates with great west change with age... But they also change 2x per year based on claims experience... They use the word discount. If your healthy now, lock in a quality contract that will work if you need it. Guardian is the gold standard.Dear
April 14, 2016
Disability Insurance
Message Board
Views: 294 | Replies: 10
Odd situation.Completely healthy here.Sold my practice in may to buy another. It fell through due to covid.Immediately started closing on another. It fell through.Finally closing on the last one. It turns out banks require you to get a disability policy. Makes sense. They want to minimize risk.The
December 18, 2020
Disability Insurance
Message Board
Views: 722 | Replies: 49
was healthy enough to reach that point never having needed it. Op, since it happened when you were a child, I suppose you could roll the dice and not tell the next company you apply with. But it would be better to just try to find another company who would cover you. I have it and I feel like a sucker
May 09, 2024
Disability Insurance
Message Board
Views: 1044 | Replies: 11
. The company cannot change rates or language. If you are healthy, you should drop the group after approval of an individual policy. Hope that helps. Ivan M. Kirshner, DDSIvan, Thanks, that was very helpful. Is there any particular plan you recommend? Do I always need to go through a broker? Hmmm
November 24, 2014
Disability Insurance
Message Board
Views: 294 | Replies: 7
insurance for dentists. It is important to look into disability insurance when starting your career for several reasons. Typically at your debt is high from student loans, your likely healthier than you'll be down the road, and the cost goes up as you get older. Many companies also have options
June 28, 2019
Disability Insurance
Message Board
Views: 520 | Replies: 22
after 2-3 years, or am I better off not taking the disability insurance now, see my primary doctor for check ups, show that I am healthy the next 2-3 years, and re-apply and obtain disability insurance in 3 years after residency? Thank you! I would def accept the offer because who knows what will happen
January 27, 2017
Disability Insurance
Message Board
Views: 221 | Replies: 14
I got a notice from ADA that they are transitioning to gender distinct premium. It is almost double for female compared to male insured. I was so shocked. as hard working healthy female dentist, I feel I am penalized just because I am born a woman. How can this be allowed? Anyone has insight
January 22, 2022
Disability Insurance
Message Board
Views: 836 | Replies: 16
you for addressing properly this issue while you are as young and healthy as you will ever be! Ivan M. Kirshner, DDS The what now?what's wrong with northwestern? they paid out when I was disabled 10 years...Great-West Life through the ADA. Having had it for 10 years and talking to many different
August 31, 2015
Disability Insurance
Message Board
Views: 2637 | Replies: 81
you got the plan What your benefit is Your health status Guardian True Own Occ $147/month - $1764/year Age 27 was start of plan, started at around $125 I think $4000/month Healthy status with no diseases or chronic issues I have a ryder that allows me to increase without medical exams, premium goes
January 18, 2021
Disability Insurance
Message Board
Views: 531 | Replies: 18
the premium that I would be happy to discuss with you, but you need to fully understand your choices. You will never be as young and as healthy as you are now. Going through underwriting again can also be an issue. Imagine if you have trouble paying the premium, how difficult it would be paying
March 06, 2016
Disability Insurance
Message Board
Views: 484 | Replies: 21
insurance after something has happened or 10+ years of practicing. Get it while you are young and healthy so it's setup properly and your paying based on that age for the remainder of your career. Good luck everyone I never really thought of it from that perspective. I guess you
January 20, 2017
Disability Insurance
Message Board
Views: 465 | Replies: 8
and healthy, you need to lock in. Principal is a player. There are other companies you can and should look at and also learn the differences in the contracts, what to look for, and what the various riders mean. One issue with Principal is the 2 year limit on mental and nervous claims. This can
June 26, 2016
Disability Insurance
Message Board
Views: 396 | Replies: 8
of increasing your policy every 3 years, some say that if you miss an opportunity to increase once or twice you can no longer exercise the option. Most policies just have something called future increase option FIO. Best of luck.I would opt for the own occ and shorter mental healthy. If you were physically
January 25, 2016
Disability Insurance
Message Board
Views: 526 | Replies: 16
is to protect the value of your practice. Since the bulk of the value is good will, how much can you sell your office for if you are healthy? 80-90% of collections in Boston area. Good luck trying to sell your office with a staff that is laid off and patients that couldn't wait 90 days to see you. Even
January 03, 2015
Disability Insurance
Message Board
Views: 396 | Replies: 11
Hi guys and gals, I dropped my disability insurance a while back, and now looking into buying it again. I am 47 year old male, healthy, no smoking. I am doing a comparison between ADA Great West Fianancial Disablility Insurance vs Northwestern Mutual. Both offer: Own occupational disability
October 08, 2020
Disability Insurance
Message Board
Views: 674 | Replies: 15
the best month in my practice in May. I left for a short trip over Memorial Day weekend with my family and I never went back to my practice. While on that trip, I woke up one day totally paralyzed and I have been diagnosed with Guillian Barre syndrome. I am a 36-year-old relatively healthy female. I
March 28, 2017
Disability Insurance
Message Board
Views: 350 | Replies: 7
constantly hurts (won't return to the surgeon for fear of him telling me I need another surgery), I am a 39 year old woman otherwise healthy. I took the tests and gathered info for a Principle DI policy that would be $8500/month benefit costing me $682/mo (with and own occ rider). The tests can
March 29, 2017
Disability Insurance
Message Board
Views: 732 | Replies: 10
. The cost is less for me for similar coverage (healthy in my late 30s). Keep in mind you have to go thro a new medical exam to switch and depending on when you got your coverage before, the price may actually be more now for similar coverage. Doesnt hurt to shop around tho. Personally I had a hard
April 24, 2023
Disability Insurance
Message Board
Views: 2233 | Replies: 41
recommendation would be to stop going to that chiropractor, because even if you are now paying cash they will keep treatment notes for every visit, so when insurance requests their notes they will see that it wasn't a one time thing. If you feel like pro-active adjustments are keeping your back more healthy
January 13, 2018
Disability Insurance
Message Board
Views: 245 | Replies: 18
am totally paying for that now. I would appreciate your input. Get it while young and healthy and never give it up. I never had it and I am very glad I never did. I would rather use the money spent on premiums toward the family or invest it. The odds are you will probably never get disabled
February 06, 2021
Disability Insurance
Message Board
Views: 1664 | Replies: 57
I am wondering if anyone could offer advice on disability insurance. I am in my forties and am currently healthy. My current policy has a monthly benefit of $12,000. I have an option of purchasing an additional policy for ~$1900 a year for an additional $5000 monthly benefit. So I would have
May 27, 2022
Disability Insurance
Message Board
Views: 270 | Replies: 6
part of a healthy lifestyle, and while some may say he takes exercise to an extreme, his dedication and commitment is demonstrated by his completion of the Ironman Florida triathlon, 5 Half-Ironman triathlons, and multiple marathons including New York City, Chicago and San Diego. Bar Admission Florida
April 26, 2021
Disability Insurance
Message Board
Views: 1106 | Replies: 41
to find another job during your career (i.e. Teaching or something else).This is eye opening. I have NWM and was told it is true own occ. I guess I need to evaluate my policy. Yes I def would. I canshow you the specific contract language if you like. At least your hopefully still healthy
June 18, 2016
Disability Insurance
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