Group Disability
Income Insurance

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You invested in your education, now invest in its protection.

Just think—if you were unable to work as an orthodontist and earn your current salary, your life would be greatly affected. Could you pay your mortgage, bills and loans?

With AAO’s Group Disability Income Insurance, underwritten by New York Life Insurance Company and administered by Lockton Affinity, a portion of your income can be secured. AAO has designed an enhanced own-occupation plan, which helps to protect your income if you are disabled and unable to work as an orthodontist, even if you are working in another occupation.

Even if you are employed by a DSO or OSO and have disability insurance through that organization, an individual policy provides you with additional coverage of your choosing. And, because the policy is issued in your name, many potential conflicts of interest may be eliminated.

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Coverage benefits for
AAO members

Designed specifically for AAO member orthodontists, this policy includes specific benefits to better protect you and your income.

Own-occupation
definition

Helps protect your income if you become totally disabled and a covered illness or injury leaves you unable to work as an orthodontist, even if you are working in another occupation.

Multiple coverage
options

Choose coverage amounts from $500 to $15,000 per month up to 60% of your average monthly income. If you need assistance, contact our advisors if you have any questions.

Future purchase
option

Increase your coverage in the future without medical underwriting to help ensure your coverage keeps pace as your earnings grow.

Residual benefits
available

Continue receiving a portion of your total disability benefit after you return to work on a part-time basis.

Coverage that
transfers

Unlike employer-sponsored plans, our coverage can stay with you even if you change jobs.

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For more information including features, costs, eligibility, renewability, limitations and exclusions, click here.

Contact Us

If you have any questions about obtaining or servicing your insurance, please complete this form or call us at
(844) 893-9888.

Phones are answered Monday through Friday, 8am to 6:30pm (CST).