Dentist disability insurance quotes
General dentists, dental specialists, and practice owners get one side-by-side comparison of all five carriers, quoted at the dental class each one assigns in your state. No fee and no obligation.
Guardian, Principal, MassMutual, Ameritas, and The Standard can all be written true own-occupation for a dentist, so a dentist disability insurance quote comparison comes down to how each carrier recognizes your dental specialty, which class it assigns, and what that does to the premium. Practice owners can add business overhead expense quotes to the same request.
What we compare on a dentist quote
A dentist's comparison starts with how each carrier recognizes your specialty and ends with class and premium. The rows in between cover mental and nervous terms and the practice side, including group coverage through a DSO or hospital employer and the office's fixed costs.
| What we read | At each of the five carriers | What it changes for a dentist |
|---|---|---|
| Dental specialty recognition | The route each carrier takes to treat your dental specialty as your occupation, from ADA specialty deeming to billing-code review. | All five can be written true own-occupation for a dentist, so the recognition mechanism is where the contracts separate. |
| Mental and nervous terms for your role | Whether each quote requires a 24-month cap for your role or leaves full-benefit-period coverage available. | The requirement turns on role, with general dentistry commonly in the group that must take the cap and several dental specialties outside it. |
| Practice income above group coverage | The benefit each carrier will issue after it subtracts coverage you already hold from its maximum. | 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. |
| Business overhead expense, for practice owners | On request, the overhead benefit each carrier will issue to pay the office's fixed costs while the owner is disabled. | The carriers differ meaningfully on overhead issue limits, and Ameritas carries the largest ceiling of the five in the current producer guides. |
| Dental class, residency credit, and premium | The dental class each carrier assigns your role, any upgrade for an AEGD or GPR residency, and the premium and dental discounts that result. | A class upgrade changes the premium on the same coverage, and two contracts at the same premium can still differ on renewal guarantees. |
How each of the five delivers true own-occupation for dentists is laid out carrier by carrier on the dentist carrier comparison page.
How each carrier recognizes a dental 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, in our experience, 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.
Dentists in our placed book
Dentist policies carry an exclusion or a rating about 23% of the time in Seaworthy's 2026 audit of placed policies, 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. For a dentist buying at that stage, a future increase option grows the benefit alongside practice income without new medical underwriting, and in our placement experience a clean health record at application is the most reliable way to keep exclusions off the contract. The dentist disability insurance hub has more on how dental coverage fits together.
From request to comparison
Describe your role
Tell us whether you are a general dentist or a specialist, then your income, state, gender, and date of birth. Practice ownership, an AEGD or GPR residency, and any group coverage are worth adding.
We quote all five
Guardian, Principal, MassMutual, Ameritas, and The Standard are each quoted at your dental class, and every quote is checked for specialty recognition and mental and nervous terms.
You review before anything is filed
You usually have the comparison within one business day, and nothing is filed with any of the five until you tell us to apply.
How Seaworthy is paid
The carrier you choose pays Seaworthy, an independent brokerage, and only once coverage is placed. Running the comparison costs a dentist nothing, and since the commission is already part of the rate state insurance regulators approve, your premium is the same as it would be applying directly.
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."
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"Very patient and thorough. Explained things in a way I could understand."
What dentists ask before requesting quotes
Is my dental specialty treated as my occupation at all five carriers?
All five can be written true own-occupation for a dentist, and each recognizes a dental specialty through its own mechanism. The Standard generally deems an ADA-recognized specialty your regular occupation, MassMutual reads specialty from ADA billing codes, and Guardian writes a dental specialty own-occupation definition. Those differences only show up when the five are quoted together.
Does an AEGD or GPR residency change a dentist's quote?
At some carriers it does, because a residency credential can move your class and premium. MassMutual, for example, moves a dentist up a class with an AEGD or GPR residency, which changes the premium on the same coverage. Note the residency on your request so it is counted wherever a carrier gives credit for it.
Can the comparison include coverage for my practice overhead?
Yes. Business overhead expense coverage pays the office's fixed costs while the owner is disabled, and the practice owners we quote often pair it with personal disability coverage. Business overhead quotes can run alongside the personal comparison, and the carriers differ meaningfully on their overhead issue limits.
What if I can still practice but have to cut back my chair time?
A dental disability often begins as reduced chair time or dropped procedures rather than a full stop. Residual and partial benefits are the provisions written for that situation. The comparison shows when a partial-disability claim starts paying under each contract and whether income loss alone can trigger it.
Do general dentists have to accept a 24-month mental health cap?
Often, though it depends on your role and on the carrier. General dentistry commonly sits in the group required to take a 24-month mental and nervous cap, while several dental specialties do not. The comparison shows whether the cap applies on each of your quotes, so the structure is confirmed before you buy rather than at claim time.