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Searching: insurance denials
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Message Board
Views: 397 | Replies: 17
I remember hearing that if, as a practice owner, you deduct disability insurance as a business expense, then you will owe taxes on the insurance money paid out if a claim is made. If you pay the premiums with after-tax income, then the disability insurance payout is untaxed. Is this true? Yes
May 19, 2026
Disability Insurance
Message Board
Views: 398 | Replies: 1
What is the best option when you disagree with the insurance company on benifits or denial of... Here’s what I tell anyone who comes to my firm when their disability insurance benefits have been denied: If your disability insurance benefits have been denied or terminated, the company has
May 06, 2015
Disability Insurance
Message Board
Views: 2694 | Replies: 84
written to include more generous benefits than newer policies so be sure to read yours carefully before deciding to cancel it . I'm no insurance expert so I'm not in any position to give advice on this. I just like to advocate for dentists to be informed when it comes to stuff like this. I almost
April 10, 2026
Disability Insurance
Message Board
Views: 402 | Replies: 28
If you have disability insurance do you plan on continuing with it till retirement or do you plan on at sometime discontinuing it? If you never had it what are your reasons? I had it until I had enough in investments and that it made no sense to have it. When I was young and had a young family
April 17, 2026
Disability Insurance
Message Board
Views: 80 | Replies: 2
trigger a denial evenafterapproval? And how soon is too soon to consult an attorney? How confident are you in your current disability coverage, and what do you wish youd known earlier? Drop your thoughts below Disability Insurance Roulette with Edward O. Comitz
July 31, 2025
Disability Insurance
Message Board
Views: 319 | Replies: 16
I'm in Canada and applying to increase my disability insurance coverage via CDSPI. I just had recent bloodwork done from my doctor as part of my annual check-up. Unfortunately, my cholesterol was quite high. I'm going to get it rechecked in 3 months. Just curious, has your application
April 14, 2026
Disability Insurance
Message Board
Views: 214 | Replies: 3
money here unless your claim is denied. Much of your claim will depend on your doctor's notes, so speak to him clearly and let him know that you are having problems at the chair. Ivan M. Kirshner, DDS i like your signature dds262...It is always best to contact your insurance claims department
December 06, 2016
Disability Insurance
Message Board
Views: 626 | Replies: 9
out what kind of risk you will be. Being untruthful or withholding information is an automatic denial of the claim (the better companies will refund your premiums). You never want to be in that position. Find a new agent. I have not had the interview yet. This was just the initial application
May 18, 2015
Disability Insurance
Message Board
Views: 2694 | Replies: 84
could take a middle class job and be fine. Premiums were to high and I've heard to many stories of denials that I figured meh, I'll go without it. I dropped my disability insurance a few years ago and am 43 right now. I regret it because I fractured my elbow pretty badly a couple of months ago
April 27, 2025
Disability Insurance
Message Board
Views: 270 | Replies: 6
thousands of individuals to obtain long term disability insurance benefits. Our disability attorneys represent claimants nationwide at all stages of a claim for disability insurance benefits, which includes the disability application process, denial of disability benefits, ERISA appeals, lawsuits
April 26, 2021
Disability Insurance
Message Board
Views: 722 | Replies: 49
I got Lyme as a young kid for a year. No symptoms in my old age (27). Got denied for listing myself as an old Lyme pt.Whats a disability insurance for dentist that will take me? Why did you say anythig Do people really get disability insurance? Ive never had it. Never saw a need for it. Work hard
May 09, 2024
Disability Insurance
Message Board
Views: 138 | Replies: 2
Insurance Companies are happy to accept your premium for a disability policy. Does anyone have experience with filing a claim. I get the feeling its similar filing a claim with a home home warranty company. Can anyone share their experience whether positive or negative? Yes, I filed a claim
December 19, 2024
Disability Insurance
Message Board
Views: 732 | Replies: 10
time comparing the insurances because the nuances of each plan so make sure your agent explains each plan well to you before switching. I have a mass mutual policy at 4k a year for 8k a month. Can add 5k without med exam. Yours doesn't sound terrible. Don't know if you'll get cheaper at this point mid
April 24, 2023
Disability Insurance
Message Board
Views: 138 | Replies: 2
I am in the process of acquiring a dental practice and need help with business OH insurance and had an important question. Lets say that the overall expenses of the office was $50k (using an arbitrary number). Would I want a policy for that amount or a percentage of it? Thanks Generally something
November 13, 2024
Disability Insurance
Message Board
Views: 1097 | Replies: 10
At what amount of money invested would you consider dropping your disability insurance? I met with my CPA/financial advisor and he said I was fine dropping it with my accounts and debt. I am 41 and house and practice are paid off. Only debt is commercial real estate and renovations to my practice
May 29, 2025
Disability Insurance
Message Board
Views: 769 | Replies: 31
for a denial of a claim and a return of your premium when you need it most. It is always the best advice to be totally upfront when completing an insurance application and/or examination and let the chips fall where they may. Many of our dentist clients have policies that are approved with exclusions
July 31, 2017
Disability Insurance
Message Board
Views: 41 | Replies: 1
I do mentoring for students going into dental school and for dental school students and one of them just told me it was being recommended to him to get disability insurance while in school so they can get a discount and have lower rates. Any thoughts on this as I did not have a knowledgable answer
April 23, 2025
Disability Insurance
Message Board
Views: 962 | Replies: 22
overwhelmed! Thanks in advance! Liz Hey Liz -I guess this is a personal decision based on your unique financial position. I understand the hesitation due to exclusions, but I find the disability insurance still provides good piece of mind. Especially as I continue to get older and have more adult
June 30, 2021
Disability Insurance
Message Board
Views: 249 | Replies: 1
I will turn 50 years old this year. I currently have the Great West DI policy. It only insuresme until I retire or turn 70. Is it time to drop the COLA rider? I have the COLA rider on my Unum policy issued back in the 1980s .Unfortunately I had to sell my practice two years ago due to multiple...
June 11, 2018
Disability Insurance
Message Board
Views: 323 | Replies: 7
Do you have to continue being a member of ADA to keep disability/life insurance through... Yes, its a group product - must be a member in good standing AND working a minimum of 30 or 35 hours (I forget which - but that is the part that freaks me out if I become disabled before death when
January 24, 2015
Disability Insurance
Message Board
Views: 136 | Replies: 3
Hello DT,So I am in the middle of a ortho practice transition out of residency. I have found an independent insurance guy who have found me a quote roughly 250 with 6000 with principal.Its without any financial or medical proof . He said we can override this next year when my income increase
April 24, 2021
Disability Insurance
Message Board
Views: 59 | Replies: 0
Hello everyone, I am a resident thinking to get disability insurance and was wondering what you recommend. I got a quote from Northwestern Mutual for $121 a month for $3,500 coverage with the option to buy more coverage. Does this sound like a good deal? Thank you
April 24, 2024
Disability Insurance
Message Board
Views: 674 | Replies: 15
I've seen a lot of people shooting down the ADA GW disability insurance plan on the forums here because the terms of theplan can technically be changed at any time. Well why not go with ADA and justchange plans if this ever happens? Maybe I'm missing something but I'm a new dentist
March 28, 2017
Disability Insurance
Message Board
Views: 428 | Replies: 5
Ok, townies. I need some wisdom posted down below please. My current Disability Insurance is good. -true own-occ lifetime -reasonable premiums My employer offers a policy and pays ALL of the premiums for long-term and even a short-term policy.....but.... -36 month own-occ If disabled I cannot
December 19, 2015
Disability Insurance
Message Board
Views: 842 | Replies: 17
. Most of the big insurance groups have different branches (disability, life, business, etc...) and overall I'd say MetLife has a pretty good reputation. I agree with trying to get the elimination period down to 90 days if you can. Either way, make sure you have an emergency fund to carry you through
April 27, 2015
Disability Insurance
Message Board
Views: 307 | Replies: 3
I will be graduating in May and was looking for advice on companies that everyone uses. Any good/bad... Use a specialist that only works with dentists, not your families local agent. There is a lot if room error. You want the policy to be worded kin your favor and not the insurance companies
February 23, 2015
Disability Insurance
Message Board
Views: 178 | Replies: 3
I'm a new grad working in Michigan and looking to get disability insurance. Does anyone know a good agent I could trust? Does it matter to find an agent where I live or could I go through the process over the phone? Thanks Ryan Mansfield | Financial Representative | Living Legacy Financial Group
October 13, 2014
Disability Insurance
Message Board
Views: 246 | Replies: 7
Is this reasonable/ competitive cost for business overhead insurance? Maximum of 10K / month benefit, maximum period of 12 months, waiting period of 30 days for a monthly premium of $215 With the other payments for liability, disability and worker's compensation, I decide to forego this ins.It's
March 13, 2021
Disability Insurance
Message Board
Views: 254 | Replies: 0
Quick question- 1) As a new graduate planning to work for a private office and having to buy my own malpractice insurance, What company should I opt for in California with the most reasonable prices and specials offered to new graduates. 2) Would getting a disability insurance be recommended
June 10, 2020
Disability Insurance
Message Board
Views: 245 | Replies: 1
Does anyone here use this company? I'm a new dentist in CA who is interested in disability insurance with true own occupation coverage. Any pointer would be appreciated. P. S. ppl also recommended Guardian, not sure how it is compared to TDIC in term of protection and premium. Thank you TDIC acts
January 21, 2019
Disability Insurance
Message Board
Views: 203 | Replies: 0
this and I imagine I'll bring paying this company for years to come. Just trying to do some due dilligence as my only contact this far has been the insurance salesman, who has been helpful but I never totally trust salespeople. Thanks DT, always appreciate the endless knowledge of the masses
November 20, 2018
Disability Insurance
Message Board
Views: 202 | Replies: 4
such as yours. I can provide more info if interested.my two cents...the more doc providers you have (multi-provider practices) the less you NEED business overhead insurance since if one does go out for a length of time, the others will generally have rooms in their schedules to absorb the prod
August 20, 2016
Disability Insurance
Message Board
Views: 711 | Replies: 5
I'm fed up with the ADA and my state and local dental associations. Thinking of dropping my membership, but that would also mean I would lose my current disability insurance and liability insurance. Anybody have any good recommendations for insurers that aren't affiliated with ADA..? Call
January 28, 2016
Disability Insurance
Message Board
Views: 217 | Replies: 1
When does one need umbrella insurance? I am wondering if we are paying unnecessary premiums here. The office is rented, we don't perform sedation dentistry or oral surgery, have ample malpractice/liability along with the other required insurances. Thoughts or help here on questions I should
April 25, 2014
Disability Insurance
Message Board
Views: 159 | Replies: 3
Are there other insurance options for someone who has already been denied disability insurance due to sleep apnea (managed with a CPAP)? Thanks in advance. They actually stated that ? Thats crazy! Yep. They said sleep apnea is a big pre-existing condition and they're very stringent about
August 13, 2024
Disability Insurance
Message Board
Views: 134 | Replies: 6
I was approached by the TDIC rep offering adisability policy through Their group with this company. Anyone aware of that? The wiered thing that there is no medical underwriting for up to 5k benefits.Why is that...Actuaries have this stuff pretty well nailed down. No insurance company is going to do
June 09, 2018
Disability Insurance
Message Board
Views: 643 | Replies: 16
Hello all, I'm interested in purchasing as much disability insurance as possible upon graduating from dental school. Growing up, I witnessed several families struggle because their primary earner went down. The school hasn't been much help in figuring this out. I'm doing a GPR next year that comes
May 17, 2018
Disability Insurance
Message Board
Views: 110 | Replies: 0
March 23, 2018
Disability Insurance
Message Board
Views: 86 | Replies: 1
I am a practicing GP going back to school for residency. Is there a way to inactivate payments until I graduate? Or would I keep paying it through residency too? I suggest you contact customer services number on your policy, but my personal feeling is this is inadvisable. If you should have a claim...
March 14, 2018
Disability Insurance
Message Board
Views: 469 | Replies: 2
I am looking into switching from the ADA-sponsored disability insurance with Great West to another carrier. I am trying to assess the risk associated with staying with Great West given that 1) the policy itself is subject to change over time, and 2) the premiums increase with age. If I buy from
April 14, 2016
Disability Insurance
Message Board
Views: 937 | Replies: 8
Hello everyone. I just wanted to know which will be a good life/disability insurance. I currently practice in Massachusetts and am a new... Dear new doc: Two different subjects and depends very much on your current situation. I have an article I published in Dentaltown December 2012
December 29, 2015
Disability Insurance
Message Board
Views: 271 | Replies: 1
) - if you are disabled and receiving benefits, this will allow the benefit to increase over time close to inflation. If I'm working with a dentist that has an insurance need, I'm sending them tomost of the time. They work only with dentists on every kind of insurance you might need.
May 23, 2023
Disability Insurance
Message Board
Views: 1665 | 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: 117 | Replies: 3
My wife and I are both dentists, and will be acquiring a practice in mid January 2021. My question is whether or not we need to purchase the full amount of business overhead insurance that the agent is suggesting or only a portion of that since we are 50/50 partners and if one of us gets disabled
December 08, 2020
Disability Insurance
Message Board
Views: 169 | Replies: 4
Hi all, I currently have a small predicament. Following graduation, I continued my ADA membership and was automatically enrolled in the term life (100k), office overhead (24x), and disability insurance (2k/mo) which is pretty much a continuation from the subscription during dental school. Though I
January 01, 2024
Disability Insurance
Message Board
Views: 282 | Replies: 1
I feel like we dentists get hammered from every direction. License renewal, DEA license, disability insurance, etc.... Well, I have all three due this year (not to mention association fees which are now no longer tax deductible). I just got my Great West renewal for insurance and on the back
April 21, 2020
Disability Insurance
Message Board
Views: 294 | Replies: 7
I'm a new graduate and am a novice to insurances/etc. Feelin like I just got thrown in the real world real quick haha..so I'm entering residency which offers cheap benefits/disability/life insurances etc. I've been told by some that most residency offers are not the best and it would be good
June 28, 2019
Disability Insurance
Message Board
Views: 187 | Replies: 8
I have a disability insurance policy through Mass Mutual that I started right before entering the military (active duty) in 2014. It currently provides $1150/month in coverage at a cost of $35.78.I got this Automatic Benefit Increase notice that wants to increase the coverage and the monthly
April 03, 2019
Disability Insurance
Message Board
Views: 1786 | Replies: 44
Since before graduating.The one no vote is hopefully someone 65+There are 2 now 2nd question: Is your benefit the maximum amount you qualified for? How much is it?I plan to keep disability insurance until I'm completely out of debt including student, practice, and house. After that I'll drop
March 10, 2019
Disability Insurance
Message Board
Views: 210 | Replies: 3
Hi all. I've been comparing rates for all three typical insurances required to own a practice (disability, office overhead, malpractice, love, etc,). The rates offered by the ADA seem to be significantly lower than all the private companies. The only difference is that the ADA's insurances may have
November 14, 2017
Disability Insurance
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