The document outlines a long-term disability insurance plan endorsed by the Nebraska and North Dakota dental associations, emphasizing the need to protect one's income-producing capability. It details various benefits, including total and residual disability coverage, waiver of premium, and additional benefits for specific circumstances, aimed at providing financial support to dentists in case of disability. Harold Diers & Co., Inc. is the administrator of the plan, offering services since 1941.

1. Endorsed by
Nebraska and North Dakota Dental Associations
Administered by
Harold Diers & Company

2. WHY?
As you insure your home…
Your possessions…
Your life…
And your health…
SO SHOULD YOU INSURE YOUR MOST
VALUABLE ASSET
YOUR INCOME-PRODUCING CAPABILITY

3. 




Current Disability Insurance Protection is not
adequate.
You currently have NO Disability Insurance.
You have only short-term salary continuation
benefits.
A long-term disability can have a long lasting effect
on your family’s financial situation…income stops
but expenses continue without help of life insurance
benefits.
You don’t have savings, investments and retirement
plan sufficient to support your family and provide for
retirement.

4.  SPECIAL
RENEWAL SECURITY
Guaranteed Renewable as long as:
◦ You are a dentist under age 70
◦ Active in the Profession
◦ Benefits are payable regardless of other insurance.
No offsets for Social Security, Workers
Compensation or other insurance policies
covering you.

5. 
COMPREHENSIVE COVERAGE FOR TOTAL &
RESIDUAL DISABILITY
Total Disability Benefits – “Your Specialty” Coverage
Full Total Disability Benefits are paid if you are unable to perform
the substantial and material duties of your own occupation or
specialty and are receiving regular medical care from a duly
licensed physician. If “Your Occupation” is limited to a recognized
specialty within your scope of your degree or license the company will
deem it to be your occupation.

6. 
Residual (partial) Disability Benefit
Residual (Partial) Benefits are payable when you are not
totally disabled, but are unable to perform one or more of the
substantial and material duties of your regular job or to
perform them for as much time as is normally required.
Residual disability benefits will only be payable if the percent
loss is at least 20%.

7. 
FAVORABLE BENEFIT LIMITS
◦ Under Age 50 - $10,000 per month*
◦ Age 50 to 54 - $6,000 per month*
◦ Age 55 to 59 - $3,000 per month*
*Based on Health & Financial Underwriting

LOSS OF USE OF HANDS DUE TO ACCIDENT
◦ Additional $50,000 is payable due to loss of use of hands due to
an accident.

8. 
SURVIVOR BENEFIT
◦ Your beneficiary will receive a survivor benefit up to three
months of payments if you die while totally disabled and had
been disabled for at least 12 continuous months and
receiving monthly benefits.

WAIVER OF PREMIUM
◦ If you become disabled before age 60 for six continuous
months while receiving monthly benefits, MetLife will waive
your premium payments for as long as you continue to
receive benefits. When you stop receiving monthly benefits,
premium must again be paid when due.

9. 
RECOVERY BENEFIT OPTION
◦ Recovery Benefit Option gives you a lump sum recovery benefit
upon your return to work that equals from one fourth of a monthly
benefit to three monthly disability payments depending on the
duration of your disability. See certificate for complete details.

GUARANTEED PURCHASE OPTION
◦ Available to members under age 40, enables you to increase your
monthly benefit without having to provided evidence of
insurability. You can increase this benefit by 25% of the original
amount on the second, fourth, sixth and eighth anniversaries of
your effective date of coverage up to the maximum available to
your group.

10. 
FIVE WAITING PERIODS AVAILABLE
Your benefits can begin after 30, 60, 90, 180 or 365 days of
disability.

REHABILITATION BENEFIT
If You participate in a Rehabilitation Program, We will increase Your
Monthly Benefit by an amount equal to 10% of the Monthly Benefit.

11. 
FAMILY CARE INCENTIVE
If You work or participate in a Rehabilitation Program while You are Disabled,
We will reimburse You for up to $400 for monthly expenses You incur for each
family member to provide:

care for Your or Your Spouse’s child, legally adopted child, or child for whom
You or Your Spouse are legal guardian and who is:
◦ living with You as part of Your household;
◦ dependent on You for support; and
◦ under age 13.
The child care must be provided by a licensed child care provider who may not be
a member of Your immediate family.
Care for Your family member who is:
◦ living with You as part of Your household;
◦ chiefly dependent on You for support; and
◦ incapable of independent living, regardless of age, due to
physical handicap as defined by applicable law.
mental or

12. $2,000 Monthly Benefit
Age
30 Day
60 Day
90 Day
180 Day
Under 30
$316.40
$253.40
$211.90
$199.90
30-39
$459.90
$355.40
$300.90
$279.40
40-49
$774.50
$632.00
$510.00
$484.50
50-59
$1,259.10
$1,017.60
$808.10
$777.60
60-64*
$1,343.80
$1,095.80
$880.80
$824.30
65-69**
$1,227.80
$998.30
$797.80
$762.30
* 60 and over Renewal Only.
** At age 65, the Monthly Benefit will be reduced to the lesser
of the amount in force on that date or $2,200. The Residual
benefit period of payments will not exceed Your 65th
birthday.

13. 
Harold Diers & Co., Inc. is the officially
endorsed administrator for the North Dakota
and Nebraska Dental Associations insurance
plans.

We have worked with dentists since 1941.

As your administrator we promise prompt
courteous service.

14. 11635 Arbor ST., Suite 230
Omaha, NE 38144
402-391-1300
Toll Free: 800-444-1330
Toll Free Fax: 888-314-5009
www.hdiers.com
Email: agent@hdiers.com