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AAO Announces New Complimentary Student Disability Coverage for Residents

AAO student members (residents) are now eligible for the AAO’s newly created Student Disability Insurance, underwritten by New York Life Insurance Company at no cost! It is important to the AAO that your future income is secure should you have an accident or illness and become disabled while completing your residency program.

Consider the benefits:

  1. Complimentary coverage—With your AAO membership, you receive this important coverage at no cost to you. 
  2. Benefit amount—Receive up to $2,000 per month should you become disabled while in school and unable to work as an orthodontist. This monthly benefit is not offset by benefits received from other disability insurance. 
  3. Loan repayment—Receive up to $200,000 towards your student loans. 
  4. Conversion after graduation—Once you enter orthodontic practice, you can convert to the Group Disability Plan at the $2,000 monthly benefit amount without exam-based medical underwriting. If you choose to increase your monthly benefit up to $15,000, you may be asked to answer a few health questions or choose a medical underwriting option.  

On November 1, Lockton Affinity became the new broker/administrator for the AAO-Endorsed Insurance Program and has oversight for term and level life insurance, group disability insurance, long-term care, and critical illness insurance as well as cyber liability and business overhead programs. The AAO selected Lockton Affinity in an RFP (request for proposal) process because of their exemplary customer service and expertise in designing customized, tailored insurance programs specially designed to protect the livelihood of orthodontists.

To learn more about this new member benefit for orthodontic residents, please call Lockton Affinity at (844) 893-9888 or click here!