Short-Term Disability Insurance for Dental Offices

Exclusive for WDA Dental Offices

Professional Insurance Programs, a division of WDA Insurance & Services Corp., has partnered with Illinois Mutual to offer Short-Term Disability Insurance exclusively for Wisconsin Dental Association member dentists and their staff.

With simplified underwriting, affordable premiums, and easy enrollment, this program provides valuable income protection for your employees when they need it most.

Why Offer Short-Term Disability Insurance?

Most employees depend on their paycheck to cover everyday expenses. An illness, injury, or pregnancy-related absence can quickly create financial stress.

Short-Term Disability Insurance helps replace a portion of an employee’s income when they are unable to work due to a covered disability.

Offering disability insurance can help:

Support employee financial well-being
Enhance your employee benefits package
Improve employee retention and satisfaction
Provide peace of mind during unexpected life events

Program Highlights

Income Protection

Replaces up to 60% of income during a covered disability
Benefits are paid directly to the policyholder
Coverage available for employees ages 17-6

Flexible Coverage Options

Choice of 24-hour coverage or off-the-job-only coverage
Five plan options available
Individual policies available, even for a single employee

Portable Coverage

Employees own their policies and can keep their coverage if they leave their employer, provided premiums continue to be paid.

Maternity Coverage

Benefits are available for maternity claims after a 9-month benefit waiting period.

For all other illnesses, a 12-month waiting period applies from the policy issue date.

Guaranteed Renewable

Coverage is guaranteed renewable to age 72, regardless of illness or injury, as long as premiums are paid.

Simple Enrollment Process

Getting started is easy.

No minimum group participation requirements
Simplified underwriting
Quick enrollment process
Coverage can begin once Electronic Funds Transfer (EFT) is established

Why Work With Professional Insurance Programs?

Our experienced benefits advisors understand the unique needs of dental practices and can help you determine whether this coverage is a good fit for your team.

We’ll answer your questions, explain your options, and guide you through the enrollment process.

* Employees should review any existing disability coverage they may have, as benefits from other disability insurance policies may affect the amount payable under an individual disability income policy. Policy Form WSD07, Voluntary Short-Term Disability Income Policy. Policy Form WD13 in GA, MD, and SC.

Coverage is not available in AK, CA, DC, HI, MT, NH, NJ, NY, or VT. Availability and coverage may vary by state.

For complete policy details, including costs, limitations, exclusions, and terms, contact Professional Insurance Programs or Illinois Mutual. In the event of any discrepancy, policy provisions will control.

Illinois Mutual and its representatives do not provide legal or tax advice. Individuals should consult their own legal or tax advisor regarding their specific circumstances.