Disability insurance Archives

The Orthodontist’s Game of Life and Insurance You May Need Along the Way

Some of life's biggest events happen over the years from residency to retirement — making lifelong friends, graduation, starting your first job or buying or starting a practice and, for some, getting married, buying a house and starting a family. Download the accompanying Orthodontist’s Game of Life boardgame for a fun visual representation and read on to learn how insurance from the AAO-Endorsed Insurance Program can help protect you through [...]

By Lockton Affinity|2025-09-18T20:32:50+00:00September 18, 2025|AAO insurance information, Cyber liability insurance, Disability insurance, Employment practices liability insurance, Insurance tips, Life insurance, Practice insurance, Residents|

Understanding Riders and Endorsements — Additional Options for Your Life and Disability Insurance

As you shop the market for disability or life insurance, you may notice policies that offer riders and endorsements. Riders and endorsements are two ways to reference the extra coverages that can be added to an insurance policy to enhance the protection it offers. Because riders and endorsements provide additional coverage on top of the basic policy, there are typically additional costs associated with them. Offering riders or endorsements are [...]

By Lockton Affinity|2025-07-09T19:10:54+00:00December 30, 2024|Disability insurance, Life insurance|

Unique Disability Insurance Benefits for AAO Members

There are many disability insurance policies on the market. How do you choose coverage that’s best for you and your family? Disability insurance can provide a steady stream of monthly income if you become totally disabled. Total disability means that, due to a covered illness or injury, you are unable to perform the substantial duties of your own occupation as a specialist in orthodontics for which you have been specifically [...]

By Lockton Affinity|2025-07-09T19:12:11+00:00October 20, 2024|Disability insurance|

Now Available! QuickDecision for Group Long Term Disability Income insurance

In September 2023, the AAO-Endorsed Insurance Program launched QuickDecision, a faster application process for Group Term Life insurance coverage, that does not require a medical exam for most applicants. As part of the AAO-Endorsed Insurance Program’s dedication to improving the program to meet the needs of member orthodontists, this quick application process is now available for Group Long Term Disability Income insurance, too. Read on to learn more about this [...]

By Lockton Affinity|2024-03-21T17:21:14+00:00March 21, 2024|Disability insurance, Life insurance|

The Various Career Paths of Orthodontists

The field of orthodontics has several potential pathways an orthodontist’s career might take. You may work for a practice, own your own practice, join a group practice, join a DSO or OSO or find that you’ve worked in a combination of these paths by the end of your career. As an example of how one orthodontist’s career can change throughout the years, we talked to AAO-member orthodontist and Board of [...]

By Lockton Affinity|2023-03-20T16:32:32+00:00March 20, 2023|Disability insurance, Life insurance, Practice insurance, Residents|

AAO-Endorsed Insurance Program Disability Insurance FAQs

AAO-Endorsed Insurance Program Disability Insurance As a member of the AAO, you have access to the AAO-Endorsed Insurance Program’s Disability Income insurance. This coverage helps protect your income if you are disabled and unable to work as an orthodontist, even if you are working in another occupation. Like all insurance policies, Group Disability Income insurance includes specific benefits, and several options for you to select. To help explain these policy [...]

By Lockton Affinity|2022-03-03T14:52:33+00:00March 3, 2022|AAO insurance information, Disability insurance|

How to Opt-in to Student Disability and Student Term Life Insurance

With your AAO membership, you can become covered under two important group insurance policies at no cost to you— Student Disability coverage and Student Term Life coverage. AAO picks up the tab to support student members like you. When you graduate, you’ll be given the opportunity to continue this coverage on a premium-paying basis. In the past, Student Term Life insurance was provided to residents without the requirement to opt [...]

By Lockton Affinity|2025-07-09T19:54:47+00:00January 4, 2022|AAO insurance information, Disability insurance, Life insurance, Residents|

Resident Protection: Converting Student Disability Insurance

As you know, the American Association of Orthodontists is dedicated to helping protect the future of residents like you and your impact on the future of the orthodontic industry. That’s why the AAO-Endorsed Insurance Program, administered by Lockton Affinity, offers complimentary Group Student Disability insurance to AAO student members with the option of converting to Group Disability Income insurance once they become practicing orthodontists. Converting Student Disability Insurance to the [...]

By Lockton Affinity|2025-07-09T20:03:17+00:00November 17, 2021|Disability insurance, Residents|

Resident Protection: Understanding Student Disability Insurance

Helping to Protect Your Financial Future If you were to be injured or become ill while in school and were unable to practice as an orthodontist, your life would be greatly affected. Could you pay your living expenses, bills and student loans? How would your future change? Many residents turn to student disability insurance to help plan for the unexpected, as it helps protect your income and repay your loans [...]

By Lockton Affinity|2025-07-09T19:56:51+00:00May 21, 2021|Disability insurance, Residents|

Disability Insurance for Orthodontists

There are many facets to a successful financial plan—setting goals, saving an emergency fund, managing debt, planning for retirement, investing, and protecting what you’ve built with insurance. Many people turn to disability insurance, also known as disability income insurance, to help plan for the unexpected, as it helps protect your income should you become disabled and unable to work as an orthodontist. Why Disability Insurance may be Critical for [...]

By Lockton Affinity|2025-07-24T16:40:30+00:00March 10, 2021|AAO insurance information, Disability insurance|

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