Student Disability & Life Insurance

Disability Insurance

For the duration of the DDS and IDS program at the Arthur A. Dugoni School of Dentistry, all students are covered by a group long-term disability income policy . No student is exempt from participating in the disability program. The policy is convertible to an individual non-cancelable, specialty-specific disability income policy for $2,000 per month after completion of dental school.

Long-Term Disability Summary (new policy starting July 2019)
  • Monthly Benefit: First- and second-year students: $1,500/month; Third-year DDS, IDS, AEGD, Ortho and Endo residents: $2,000/month
  • Integration: Policy will not integrate with CA State disability, Social Security or Workers Compensation, until total monthly benefit exceeds $3,000 per month.
  • Elimination period: 90 Days
  • Length of coverage: To age 65 whether disabled by sickness or accident. Includes a 5-year protection on "dental student" provision.
  • Pre-existing Conditions: Full coverage after 30 days as a dental student.
  • Mental & emotional disabilities: 24-month coverage per occurrence, unless hospitalized
  • Pregnancy: complications covered; normal pregnancy covered after 90 days
  • Loan Pay-off provision: $225,000 maximum, after 1 year of total and permanent disability
  • Lump Sum: $5,000, after 1 year of total and permanent disability
  • Survivor Benefit: 5 months net, based on monthly disability benefit (refer to Integration benefit)
  • Cost of Living Adj: 3%; 48 month delay
  • Conversion Option: Guaranteed conversion to an individual policy upon graduation of dental school/completion of residency
  • Company:  Standard Insurance Company (A+ rated by A.M. Best)
  • Cost: $53.00 per student each year

If you have any questions regarding your disability insurance, please contact your benefit administrator Wayne Washkowiak at 858.404.0782 /

ADA (American Dental Association) Life Insurance

As a student at Dugoni, you have $50,000 in life insurance provided to you at no cost as a benefit of your ADA membership. You are automatically enrolled in this coverage. Life insurance is important during school to take care of your loved ones, should something happen to you, and of course after school it continues to be important to protect your loved ones as your debt and responsibilities increase. It can also be used to help secure practice financing. This ADA group insurance, which you have the option to keep long after graduation, is one of the most valuable benefits of American Dental Association student membership. If you want to opt out of the ADA Life Insurance, please come by Student Services, 4B-02, and we will contact the ADA.

Your free ADA Term Life insurance includes:

  • $50,000 of life insurance
  • $50,000 of accidental death coverage
  • Option to buy more insurance and add your spouse
  • Coverage increases to $100,000 after graduation (if you sign up to continue)
  • Premiums fully paid through December 31 of your graduation year
  • Conversion privileges after graduation

You can designate a beneficiary to your policy by completing the Appointment of New Beneficiary form and submit it to Janelle Palomares, Student Affairs Coordinator, 4B-02.

Remember that it is important to register your account online to view your coverage details and update your contact information any time it changes. If you do not know your ADA number, please contact Janelle Palomares at For more information, go to ADA Student Member Life Insurance or call 888.463.4545. The insurance is underwritten and administered by Great-West Financial.