Dentist disability insurance quotes
One request returns a side-by-side comparison from Guardian, Principal, MassMutual, Ameritas, and The Standard, quoted for your dental specialty and your state. No fee and no obligation.
Dentist disability insurance quotes are worth running across all five major carriers at once, because each recognizes a dental specialty through a different mechanism and the class assignment moves the premium. Seaworthy quotes Guardian, Principal, MassMutual, Ameritas, and The Standard simultaneously and reads the contract language beside the price, free, with no markup on the premium.
What a dentist quote comparison includes
Every request is priced by all five carriers at once, and the comparison lines the contracts up on the provisions that decide a dentist's claim. The premium is only the first line of the read. The table below is the rest.
| What we compare | Across the five carriers | Why it matters for a dentist |
|---|---|---|
| Own-occupation definition and specialty recognition | Whether the contract treats your dental specialty as your occupation, and the mechanism each carrier uses to recognize it. | All five majors can be written true own-occupation for a dentist. What differs is the recognition mechanism, from ADA specialty deeming to billing-code review. |
| Occupation class for your role | The dental class each carrier assigns, which is a primary driver of the premium. | MassMutual, for example, upgrades a dentist a class with an AEGD or GPR residency, a move that changes the premium on the same coverage. |
| Monthly benefit and issue limits | The largest benefit each carrier will issue at your income, and how any group coverage offsets it. | Group coverage through a DSO or hospital employer typically covers base salary only, so this row shows what an individual policy adds for practice income. |
| Mental and nervous benefit structure | Whether full-benefit-period mental health coverage is available to your role, or a 24-month cap applies. | General dentistry commonly sits in the group required to take the cap, so the structure is worth confirming before you buy rather than at claim time. |
| Residual and partial benefits | When a partial-disability claim starts paying, and whether income loss alone can trigger it. | A dental disability often begins as reduced chair time or dropped procedures rather than a full stop. |
| Premium and premium structure | The quoted cost, whether the contract is noncancelable or guaranteed renewable, and which dental discounts apply. | Two contracts at the same premium can differ on renewal guarantees and on which discounts you qualify for. |
The carrier-by-carrier detail behind that table, including how each of the five delivers true own-occupation for dentists, is on the dentist carrier comparison page.
Why dentist quotes have to be run by specialty
The five carriers reach "your specialty is your occupation" by different routes. In the current producer guides, The Standard generally deems an ADA-recognized specialty the regular occupation and writes dentists in a class that qualifies for its own-occupation rider. MassMutual reads the specialty from ADA billing codes and moves a dentist up a class with an AEGD or GPR residency. Guardian writes a dental specialty own-occupation definition, Ameritas delivers true own-occupation in its base contract and carries the largest business overhead expense ceiling of the five for practice owners, and Principal tends to be the most flexible underwriter of the group. Which of those matters most depends on your role, and no single carrier's quote shows the spread.
Mental health structure is the other role-specific read, since general dentistry commonly sits in the group required to take a 24-month mental and nervous cap while several dental specialties do not. Our house ranking of the five carriers for dentists is in the best disability insurance for dentists guide, and practice owners can go deeper on overhead coverage in the dental business overhead expense guide.
What our placed book shows
In Seaworthy's 2026 audit of placed policies, about 23% of dentist policies carry an exclusion or a rating, the lowest rate among the major professional groups we place. The median age at issue for dentists in the book is 34, the youngest of those groups. In our placement experience, applying while the health record is clean is the most reliable way to keep exclusions off a contract, and a future increase option then grows the benefit alongside practice income without new medical underwriting. More on how dental coverage fits together is on the dentist disability insurance hub.
How the comparison works
Tell us five things
Role or specialty, income, state, gender, and date of birth. Practice ownership and existing coverage details help but are not required.
We run all five carriers
Quotes are run simultaneously against your role's class at each carrier, with the contract provisions read beside the price.
You decide with the full picture
You receive the side-by-side comparison, usually within one business day. Nothing goes to a carrier until you choose to apply.
No fee, and no change to your price
Seaworthy is an independent brokerage. The agency is compensated by the carrier only when you decide to place coverage, so the comparison itself costs nothing, and the premium is identical whether you apply through Seaworthy or directly with the carrier.
Prefer to talk it through first? Call (800) 518-1190.
What our clients say
"Phil is the best! He's helped me get the best possible coverage from the insurance companies when other agents came back with tons of exclusions."
"Phil was recommended to me by an advisor and I could not be more pleased with the experience. He handled updating my life and disability insurance with ease. The process was seamless and quick."
"Very patient and thorough. Explained things in a way I could understand."
Dentist quote questions
Is there a fee for a dentist disability insurance quote comparison?
No. Seaworthy is compensated by the carrier when you choose to place coverage, so the comparison costs you nothing. The premium is the same whether you apply through Seaworthy or directly with the carrier, because commissions are built into the rates state insurance regulators approve.
Which carriers are included in a dentist quote comparison?
Guardian, Principal, MassMutual, Ameritas, and The Standard. All five can be written true own-occupation for a dentist, and each recognizes a dental specialty through its own mechanism, which is a large part of what the comparison lines up. When none of the five can cover a situation, the agency also has access to the Lloyd's of London surplus-lines market.
Do the quotes account for my dental specialty?
Yes. Every quote is run against your specific role, because carriers recognize dental specialties through different mechanisms and class them differently. The Standard generally deems an ADA-recognized specialty your regular occupation, MassMutual reads specialty from ADA billing codes, and a residency credential can move your class and premium at some carriers. Those differences only show up when the five are quoted together.
What information do you need to run dentist quotes?
Your role or specialty, annual income, state, gender, and date of birth. If you own your practice or carry group coverage or an existing individual policy, those details change the math, because carriers subtract coverage you already hold from the maximum they will issue.
Can the comparison include coverage for my practice overhead?
Yes. Practice owners often pair personal disability coverage with business overhead expense coverage, which pays the office's fixed costs while the owner is disabled. Business overhead quotes can run alongside the personal comparison, and the carriers differ meaningfully on their overhead issue limits.