School of Dentistry Students

As a Dental Student You Are Covered By a Group Long Term Disability Plan.
Click here for plan details.

Conversion Privilege Plan
As a graduating Dental Student, you have the ability to obtain up to $2,000 per month of individual disability coverage upon graduation (window of eligibility is 60 days pre graduation to July 31st).

Individual disability insurance coverage is on a Guaranteed Standard Issue basis:

No medical underwriting required
True Own-Occupation coverage with Specialty Language to age 65
Enhanced Partial Disability Benefit & Recovery Benefit to age 65
3% Cost of Living Adjustment (COLA)
10% Mental and/or Substance-Related Disorder Limitation Discount1

Fully Underwritten Plan
As a graduating School of Dentistry Student, you may obtain a significant monthly benefit, regardless of your income.

Optional policy features:

True Own-Occupation with Specialty Language to age 67 or 70
Enhanced Partial Disability Benefit & Recovery Benefit to 67 or 70
A 3% or 6% Cost of Living Adjustment Rider2
Student Loan or Supplemental Benefit Term Coverage, $2,000 per month up to 15 years3
Enhanced Catastrophic Disability Benefit Rider
Retirement Protection Plus Disability Benefit Rider4
Hospice Care Benefit & Serious Illness Supplemental Benefit
20% Discount

Have a question, or want to learn more about your options?

Contact your University-Designated Representative

Dustin J. Peltier, CFP®
Financial Advisor
612.816.1901
Dustin_Peltier@fosterklima.com
Schedule an Appointment

1. 10% discount applies as there is a 24 month mental nervous and/or substance-related disorders limitation on the policy.
2. This benefit is not necessarily protection against increases in the cost of living.
3. The Student Loan Rider provides coverage for period of 10 or 15 years from the Policy Date. When a qualifying total disability occurs, benefits are only payable during the remaining portion of the 10- or 15-year term that has not elapsed when the disability begins.
4. Retirement Protection Plus is neither a pension plan, qualified retirement plan or qualified individual retirement account or a substitute for one.