Disability Income Protection

Endorsed by

Nebraska and North Dakota Dental Associations

Administered by Harold Diers & Company

WHY?As you insure your home…

Your possessions…Your life…

And your health…

SO SHOULD YOU INSURE YOUR MOSTVALUABLE ASSET

YOUR INCOME-PRODUCING CAPABILITY

One of the most important types of financial protection your family can have is

disability income insurance.

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.

FIVE Good Reasons to PurchaseDisability Income Protection Today

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.

Benefits

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.

Benefits (continued)

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%.

Benefits (continued)

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.

Benefits (continued)

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.

Benefits (continued)

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.

Benefits (continued)

FIVE WAITING PERIODS AVAILABLEYour benefits can begin after 30, 60, 90, 180 or 365 days of disability.

REHABILITATION BENEFITIf You participate in a Rehabilitation Program, We will increase Your Monthly Benefit by an amount equal to 10% of the Monthly Benefit.

Benefits (continued)

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 mental or physical handicap

as defined by applicable law.

Benefits (continued)

$2,000 Monthly Benefit

Economical group rates Semi-annual premium

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.

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.

About Your Administrator

Administered by:Harold Diers & Company, Inc.

11635 Arbor ST., Suite 230Omaha, NE 38144

402-391-1300Toll Free: 800-444-1330

Toll Free Fax: 888-314-5009www.hdiers.com

Email: agent@hdiers.com