Disability – Income Protection
This insurance protects you against the loss of professional income as a result of disability. As it is extremely important to protect your financial security, we offer you a high-quality contract with the best options available in the disability insurance market. You will find the main features in the following pages.
Regular occupation clause Insurance indexation clause Indexation of benefits Presumptive disability Partial disability
Regular occupation clause
You enjoy a top-of-the-range plan, with a disability definition which takes into account the main tasks of your professional duties. All these words have a meaning. Indeed, if you can no longer practice dental medicine as a result of disability, you can perform other tasks during this disability and still be entitled to disability benefits.
Insurance indexation clause
In accordance with this clause, your amount of insurance will be adjusted every year according to the Consumer Price Index, subject to a minimum of 5% until the age of 35 and a maximum of 5% from 36 to 54 years of age inclusively.
Indexation of benefits
If you have taken out this option, your benefits will be adjusted every year according to the Consumer Price Index, subject to a maximum of 3%. Indexations are set on a compound basis.
Presumptive disability
Special Sogedent advantage: presumptive disability applies if you lose vision in one eye, the use of a hand, your speech, hearing or use of both your feet. All other contracts require the loss of vision in both eyes or the use of both hands. In addition, the insurer will pay starting on the first day of disability, rather than after the elimination period, until the end of the period of coverage.
Partial disability
Another major advantage: you are entitled to partial disability benefits even if you weren’t totally disabled before.