Long-Term Disability Insurance for Wisconsin Dentists

Specialized Income Protection for Dentists

Your ability to practice dentistry is one of your most valuable assets. If an illness or injury prevents you from performing the procedures you rely on every day, your income and financial future could be affected.

That’s why dentists need disability coverage designed specifically for their profession.

Through our partnership with MGIS, Professional Insurance Programs offers Group Long-Term Disability (LTD) Insurance that includes features tailored to the unique needs of dentists and dental specialists.

Why Dentists Need Specialized Disability Coverage

Many traditional disability insurance policies focus on whether you can work in any occupation. Dentists often need more specialized protection.

MGIS Group Long-Term Disability Insurance is designed to help protect your income when you can no longer perform the actual procedures you routinely perform in your practice.

Key Features

Actual Procedures Definition of Disability

Benefits may be payable when you can no longer perform the procedures you have regularly performed during the previous 12 months, based on your CPT, CDT, or SNOMED coding history.

Coverage is available for both partial and total disability.

Designed to Complement Individual Disability Insurance

This coverage is designed to work alongside individual disability insurance and does not offset benefits from individual disability policies.

Strong Income Protection

Benefits up to 60% of salary
Maximum monthly benefit of up to $15,000, based on income
Coverage designed to help maintain financial stability during a disability

Dentist-Specific Optional Riders

Participating groups may select one additional rider at no extra cost:

Infectious and Contagious Disease Rider
Progressive Illness Rider
Extended Earnings Rider

Dentist-Focused Service and Support

Specialized Claims Team

Claims are handled by professionals who understand the dental profession and the unique challenges dentists face when a disability occurs.

Dedicated Account Management

WDA groups receive support from a dedicated MGIS account manager who works exclusively with dental practices.

Financial Protection for Your Family

Group Life and Accidental Death & Dismemberment (AD&D) Insurance

In addition to disability coverage, MGIS offers valuable life insurance options to help protect your loved ones.

Features include:

Guaranteed issue life insurance up to $150,000
Optional voluntary life insurance for employees
Coverage amounts from $10,000 to $500,000 in $10,000 increments
Flexible options to meet individual needs

Why Work With Professional Insurance Programs?

Our benefits advisors understand the unique needs of dentists and dental practices.

We’ll help you evaluate your options, explain available benefits, and determine whether Group Long-Term Disability Insurance is right for your practice.