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.