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 [...]
AAO-Endorsed Insurance Program Student Insurance As a student member of the AAO, you have access to the AAO-Endorsed Insurance Program’s Group Student Disability and Term Life insurance. Offered to all AAO resident members at no cost, it is one of the many ways the AAO is dedicated to its members’ futures. Like all insurance policies, Group Student Disability and Term Life insurance includes specific benefits. To help explain these policy [...]
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 [...]
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 [...]
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 [...]
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The AAO-Endorsed Insurance Program is administered by Lockton Affinity, LLC d/b/a Lockton Affinity Insurance Brokers LLC, Affinity Administrator Services, LLC in California Insurance License Number 0795478, in Arizona Insurance License Number 1800004362 and in Arkansas Insurance License Number 100108685. Coverage may not be available in all states and is subject to actual policy terms and conditions. Policy benefits are the sole obligation of the issuing insurance company. Coverage may be provided by an excess/surplus lines insurer which is not licensed by or subject to the supervision of the insurance department of your state of residence. Policy coverage forms and rates may not be subject to regulation by the insurance department of your state of residence. Excess/Surplus lines insurers do not generally participate in state guaranty funds and therefore insureds are not protected by such funds in the event of the insurer’s insolvency. American Association of Orthodontists (AAO) will receive a royalty fee for the licensing of its name and trademarks as part of the insurance program offered to the extent permitted by applicable law.
*Underwritten by New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010 on Policy Form GMR/FACE, Group Policy Nos. G-14242-0 (TL), G-14243-0 (10 LTL), G-14244-0 (20 LTL), G-14242-4 (POE), G-14242-3 (DI) and G-30270-0 (CI). For more information including features, costs, eligibility, renewability, limitations and exclusions click “Learn More.”
New York Life Insurance Company is licensed/authorized to transact business in all of the 50 United States, the District of Columbia, Puerto Rico and Canada. However, not all group policies it underwrites are available in all jurisdictions. Please check the eligibility sections for current availability. New York Life Insurance Company’s state of domicile is New York, and NAIC ID is #66915.
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