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Dental Coverage Short Term Disability
Agents and Staff Agents Only
Guarantee Issue for Newly Hired Agents and Staff and at Open enrollment Guarantee Issue for Newly Hired Agents
An injury or illness may keep you from work, but it doesn’t stop your bills.
A bright smile takes more than just brushing and flossing.
Give your paycheck the protection it deserves.
Dental insurance is an important tool in protecting your overall health for you and your family. Our dental plan Approximately every 7 seconds, a working age American suffers a disabling injury or illness that will last at
not only pays for preventive care but will also help cover the cost of basic dental services. On average, our least one month. Only one in three has income protection, do you? Short term disability (STD) insurance
dental insurance products save members 35% off standard rates. replaces part of your paycheck for up to 9-weeks so you can focus on your recovery and worry less about
your daily expenses.
Our in-network and out-of- Poor oral health has been linked to Eighty percent of the U.S. Top five causes of STD claims: An injury or illness may stop you 90% of disabilities are caused
network benefits are the diabetes, heart disease and stroke population has some form of pregnancies, injuries, joint from work, but it doesn’t stop by illnesses.
same, so there is no need to emphasizing the importance of periodontal gum disease. disorders, digestive disorders, your bills. Protect your paycheck!
change dentists. regular dental visits. cancer.
Base Plan [PPO] Enhanced Plan [NAP]
$50 individual / $150 Family $50 Individual / $150 Family
Calendar Year Deductible Definition of Disability Regular Occupation
Waived on Preventive and Diagnostic Services Waived on Preventive and Diagnostic Services
Applied to Basic and Major services Applied to Basic and Major services
Annual Maximum Benefit $750 per person per calendar year $1,000 per person per calendar year Elimination Period Continuously disabled for 14 days accident / 14 days sickness
100% - No Deductible 100% - No Deductible
Preventive and Diagnostic Oral Evaluation-2 per year Oral Evaluation-2 per year Benefit Amount 60% of gross weekly 1099 earnings to a maximum of $500 per week
Services Radiographs-Bitewing 1 set per year Radiographs-Bitewing 1 set per year
Radiographs-Panoramic 1 set per year Radiographs-Panoramic 1 set per year
Lab & Other Diagnostics Lab & Other Diagnostics Pre-Existing Condition
Prophylaxis (Cleanings)-2 per year Prophylaxis (Cleanings)-2 per year Limitation None during GI period, following that subject to underwriting
Fluoride Treatment (under age 19) Fluoride Treatment (under age 19)
Sealants (under age 16) Sealants (under age 16)
DENTAL INSURANCE
Maximum Benefit Duration 11 weeks
50% - After Deductible 80% - After Deductible
Basic Services Space Maintainers (under age 16) Space Maintainers (under age 16)
DENTAL INSURANCE
Restorations [Amalgams or Composite] Restorations [Amalgams or Composite]
Emergency Treatment/General Services Emergency Treatment/General Services Mental & Nervous Limitation No Limitations
Simple Extractions, Simple Extractions,
Periodontics Endontic Services (ex. Root Canal) SHORT TERM DISABILITY AGENT
Periodontics Drug & Alcohol Limitation No Limitations
Major Services Network Discounts Apply 50% - After Deductible
(12 month waiting period) Bridges & Dentures
Endodontic Services (eg. Root Canal)
Single Crowns
Complex Extractions
Cobra Eligible
Short Term
11 Dental Insurance 11 4 Disability Agent 4