Introducing Increased Limits for Dental Specialists and New Limits for Certain Students
Ameritas is pleased to announce additional enhancements to our individual DI product offering for your dental clients who are pursuing advanced training in a dental specialty1 or have completed training and are entering practice.
Ameritas is also introducing new limits for final-year students in the Information Technology (IT) sector, Scientists pursuing a Masters or PhD degree and others pursuing a Master of Business Administration (MBA) degree.
These enhancements apply to DInamic Cornerstone and Foundation individual DI products, including the Guaranteed Standard Issue (GSI) GME program.
| Occupation |
Prior I&P Limits |
New I&P Limits |
| Dental specialists – in residency/fellowship |
$4,000 |
$6,000 |
| Dental specialists – entering practice2 |
$6,000 |
$7,500 |
| IT students3 – final year |
N/A |
$2,000 |
| Scientists (Masters or PhD) students3 – final year |
N/A |
$2,000 |
| MBA students3 – final year |
N/A |
$2,000 |
1 Dental specialties include: Endodontists, Oral and Maxillofacial Surgeons, Orthodontists, Pediatric Dentists, Periodontists and Prosthodontists.
2 Professionals entering practice are defined as those who are within two years post-graduation from an appropriately accredited institution.
3 Occupation class will be based on chosen field of study. If undecided/undeclared, typically a 4A occupation class will apply.
Dental specialists in residency, fellowship or entering practice are eligible for the Future Increase Option (FIO) rider up to three times the base benefit (not to exceed overall I&P limits) and the Catastrophic Disability Benefit (CAT) rider may not exceed the base benefit. Cornerstone applicants may forgo the FIO rider in favor of the Benefit Increase Rider ($1,000 minimum benefit required) that would allow them to increase their benefits up to our maximum issue limit.
Scientists (Masters or PhD) and MBA students are eligible for the FIO rider up to two times the base benefit and the CAT rider may not exceed the base benefit. Cornerstone applicants may forgo the FIO rider in favor of the BIR ($1,000 minimum benefit required) that would allow them to increase their benefits up to our maximum issue limit.
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