b'FOR YOUR PRACTICEJamie L. Fehrs, MBA, ChFCHow hard is it to obtain Manager, Financial Services AssociateTreloar & Heisel, LLCdisability income insurance?jfehrs@treloaronline.com www.treloaronline.comNot as complicated as you may think.The process of getting individual fully underwritten disability insurance may be easier than you think. The amount of disability coverage available to each person depends on the type and level of training. Currently, third-year dental students can get up to $2,500/month, fourth-year dentals students can get up to $5,000/month, AEGD and GPR students $6,000/month, and The insurance companyDental Specialty residents $7,500/month of disability insurance coverage. notifies your advisor whenBut what is the process and how hard is it to get? First, you need to select coverage. coverage is approved. ThisReview your options with a qualified advisor. Once the insurance company, coverage amount, and coverage features are selected it is time is the time to review theto apply for coverage.Keep in mind that when you sign and submit an approval with your advisorapplication, you have no obligation to purchase a policy. You are simply asking the insurance company to review your application and determine if and determine how youthey want to insure you.want the policy to be issued. Here are the application steps:1. Online application. First, complete an online application with an advisor. This takes about 15-20 minutes. You will need to answer a few identifying questions like date of birth and address as well as questions AAP Periospectives| 34'