Treloar & Heisel

    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.