Insurance Plans for Members

CDS sponsors a range of insurance plans for its members and their families, including:

Disability and Business Overhead Expense Insurance

Disability income insurance is a unique coverage that protects your earned income and retirement benefits should you become disabled as the result of sickness or injury. Chances are you do not have enough coverage to maintain the lifestyle to which you are accustomed. The plans are underwritten by the Massachusetts Mutual Life Insurance Company, and administered by Treloar & Heisel, Inc., 800.852.4900.



Some plan features include:

  • Disability Income
  • Non-cancellable and Guaranteed Renewable to age 65
  • Protection in “Your Occupation” while you are not gainfully employed
  • Discounts up to 20 percent
  • Guaranteed Level Premiums to age 65
  • Residual Income Loss Benefits
  • Custom Optional Benefits
  • Benefits to Age 65
  • Office Overhead Feature
  • Non-cancellable and Guaranteed Renewal to age 65
  • Guaranteed Level Premiums to age 65
  • Discounted Premiums
  • Own Occupation Benefits
  • Three-Benefit Periods
  • Residual and Partial Benefits
  • Disability By-Sell/Co-Owners
  • Coverage for a Disabled Partner
  • Discounted Premiums
  • Choice of Benefits (lump sum or monthly)

Treloar & Heisel, Inc., has been providing the dental profession with non-cancellable, guaranteed renewable, disability programs for more than 35 years. For more information, rates and applications, or for a personal appointment to review your coverage, call Treloar & Heisel, Inc., 800.852.4900 or 708.479.8100.

Long-Term Care Insurance

You’ve worked your career building a retirement nest egg and possibly an estate for your heirs. Unfortunately, an extended need for home healthcare services or a nursing home stay can dramatically reduce any savings you may have accumulated. The cost for long-term care will come from you, as Medicare may only provide for a limited benefit, if care is needed. Therefore, you may wish to consider participating in the Long-Term Care Insurance Program administered by Treloar & Heisel, Inc.

Some plan features include:

  • Daily benefit amounts up to $300 per day
  • Benefits for nursing home and home healthcare
  • Choice of elimination and benefit periods
  • Limited payment options (10-year and 20-year)
  • Cost of living rider
  • Premium discounts available.

For more information, rates and applications, call Treloar & Heisel, Inc., 800.852.4900 or 708.479.8100.

Workers Compensation Insurance

CDS has reached agreements with Accident Fund Insurance Company of America, rated A Excellent by the A.M. Best Co., and Southpoint Insurance for the endorsement of the WorkSafe Partners Group Dividend Program for Workers Compensation insurance. Some of the program features offered through the Accident Fund Insurance Company of America include:

  • 5% up-front credit to CDS members
  • Opportunity for dividends up to 10% if the group performs well
  • No minimum premium to qualify.
  • Eligible members in good standing
  • Expert claims management
  • No charge access to the Loss Prevention Toolbox

Southpoint Insurance will serve as the CDS “preferred agent” for those members who choose to contact them for this coverage. Information about the program, which began June 1, 2008, may be obtained by emailing  Jim Carney or calling 708.390.2529, or by visiting