Blue Cross Graduating Hygienist Offer
Disability insurance is the most important insurance coverage for a hygienist to own but can be the most difficult to get. If you are a graduating hygienist, now is the best time to obtain your coverage!
What Makes Blue Cross’ Offer Valuable?
- Coverage is available without evidence of health – No need to worry about declines, increased premiums or exclusions
- Guaranteed $1500/month of coverage without regards to income
- Most competitive premium rates on the market – Other insurance companies deem dental hygienists a very risky occupation class and charge a much higher premium
Does the Contract Provide Adequate Protection?
- Yes the Blue Cross contract is a strong disability contract which includes good definitions and guarantees. Their contract offers:
- 24 hour around the world protection
- Guaranteed contract provisions
- A regular occupation definition which protects you in your job as a hygienist
- Indexation of your disability benefit according to inflation every 12 months once disabled up to a maximum of 3%/year
- Automatic increases to your monthly benefit to help keep pace with your increasing income
- Return to work bonus which helps you get back on you feet following a disability of 24 months or more
- Partial disability benefit which pays the claimant 50% for 24 months and 25% thereafter should he/she suffer a partial disability
- Ability to add a return of premium and have up to 100% of premiums refunded at age 65, any claims paid out will be subtracted from the refund
*Please note that Blue Cross will integrate with benefits received from other sources, and if evidence of health is not given a 12 month pre-existing condition exclusion is applicable. Blue Cross also reserves the right to increase premiums; however should they choose to do so premiums must be increased for an entire class of policy holders.
What Else is Available?
- Accidental Fracture – Receive a lump sum of up to $10,000 if you suffer a fracture.
- Extended Health Care – Have your drugs, paramedical practitioners and emergency travel expenses covered. There are 2 plans options available, one that requires evidence of health and one that does not.
- Critical Illness Insurance – Receive a lump sum benefit if you contract a critical illness and get your premiums back if you don’t. Evidence of health is required.
- Life Insurance – Protect your dependents and have your debts paid in the event of your death. Evidence of health is required.
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