It's important to help protect your ability to receive an income with disability insurance. However, you want to make sure you select a plan that takes your profession as a chiropractor into consideration.
The D.C. Long Term Disability Insurance Plan, issued by The Prudential Insurance Company of America, does exactly that. It's not a plan designed for all professions. Instead, it's available exclusively to D.C.s, so you can be sure it is geared to your unique needs. Here's how:
Sponsored by NBAC
The contract holder for this plan is the National Business Association for Chiropractors (NBAC). NBAC was formed to help D.C.s with the business aspects of their personal planning and chiropractic career. NBAC would not offer it as a member benefit if it wasn't first-rate protection.
To learn more about NBAC, click here.
Routine Preventative/Wellness Care is NOT considered a Pre-existing Condition
Some disability policies treat elective care such as chiropractic care as evidence and treatment of a pre-existing condition, and will exclude coverage related to such care for a certain length of time.
With the D.C. Long Term Disability Insurance Plan, routine preventative/wellness care IS NOT considered a pre-existing condition, as long as that care was not intended to treat an existing condition. This includes care by a licensed D.C. NBAC fought for this because NBAC understands the importance of regular chiropractic care.
NCMIC Insurance Services is the Exclusive Agent
When you call with questions, you deserve to talk with someone who understands chiropractic. NCMIC Insurance Services has provided D.C.s with personalized, knowledgeable service since 1946.