August / September 2011 Nugget

August/September 2011

Disability insurance Are you covered if the unexpected happens?

Inside:

First-hand accounts of disability insurance experiences PLUS: 2011–2012 SDDS Calendar of Events!

per person

$1250 per table A gala to benefit Sacramento District Dental Foundation

Silent online auction • Cocktails, dinner & live auction • Entertainment & dancing

Live auction items: • 1-week stays at: Maui (Hawaii, Kaanapali)

Thank you, sponsors!

as of July 28, 2011

donated by Dr. Dave Seman

as of July 28, 2011

Gold Table Sponsors: Smile Sponsors: Capital Periodontal Group

Kauai (Hawaii)

Drobny Law Offices, Inc.

donated by Mann, Urrutia, Nelson, CPAs

Elk Grove Orthodontics

Seascape (Aptos)

donated by Mr. & Mrs. James Shannon

Endodontic Associates

Dollar Point (Lake Tahoe, Lakefront)

Henry Schein

donated by Dr. Herb Yee & Family

Jackson, Heise & Alpha Oral & Maxillofacial Surgery

Schaeffer’s Mill (Lake Tahoe) donated by Dr. Don Rollofson

Dr. Beverly Kodama & Will Galloway

• Estate Planning ($2500 value)

donated by Mark Drobny, Esq (Drobny Law Offices, Inc.)

• Golf for 4 at Cypress Point (Pebble Beach) anonymous donor

• $3,000 worth of concrete work & construction donated by Sellers Construction (Ed Sellers)

• Breakfast with D.A. Jan Scully

Silver table Sponsors:

Kids Care Dental Group Morgan Stanley Smith Barney

Would you like to sponsor the Smile Sacramento Gala, benefitting the Foundation?

Visit www.sdds.org/ SDDF_Gala.htm for details!

Dinners, wine & more in the Online auction! Visit www.sdds.org/SDDF_Gala-Auction.htm

Saturday: October 1, 2011 6:30pm • Hyatt Regency Sacramento

About the Foundation: The Sacramento District Dental Society’s Foundation (SDDF) is a non-profit, 501c3 that was established in 1969 by the member dentists of the Sacramento District Dental Society (SDDS). Currently the SDDS is more than 1500 members strong and encompasses the five counties of Sacramento, Yolo, Placer, Amador and El Dorado — reaching all the way to cities of Tahoe City and South Lake Tahoe, Jackson, Elk Grove, Davis and Woodland.

$125

More info online!

Check the web for more information on the SDDF Gala, including registration forms, sponsorship opportunities and auction items.

www.sdds.org/SDDF_Gala.htm

Table of Contents

THE NUGGET

August/September 2011 Volume 57, Number 7

Features 8

Why Smart Dentists Are Taking a Look at Disability Insurance Pamela Trehub, Insurance Agent (TDIC)

9

It Will Never Happen to You! Tom Wagner, DDS (Henry Schein Professional Practice Transitions)

10

A Case for Having a Good Disability Policy Alexander Malick, DMD, FAGD

12–13

A First-Hand Look Into a Legitimate Disability Claim — Or Is It? William Koett, Jr., DDS

14–15

Collecting Disability Insurance Benefits is Not Like Buying a Disability Policy Gregory Michael Dell, DDS (Dell & Schaefer)

Specials 13

Back in Time — Can you identify these SDDS members?

20–21

2011–2012 SDDS Calendar of Events

23

A New Pathway to Licensure for California Dental Students Stephen Casagrande, DDS (Dental Board of California)

29

Fingerprinting for Licensees Reprinted from DBC Newsletter (Winter 2011)

24

2011 SDDS Elections — Sample Ballot

Regulars 4 5 6 10 18 18 18 19 22 25 25 26–27 27 28 30 31–32 34 35 36

The Nugget is a four-time International College of Dentists Journalism Award Winner:

President’s Message From the Editor’s Desk Cathy’s Corner Link of the Month In Memorium Our Condolences Volunteer Opportunities Foundation Update YOU: The Dentist… the Employer Committee Corner Committee Meeting Schedule Vendor Members Vendor Member Spotlights We’re Blowing Your Horn!

Advertiser Index Membership Update Event Highlights Classified Ads SDDS Calendar of Events

Golden Pen (Honorable Mention, 2007) Article or series of articles of interest to the profession

Outstanding Cover (2007) Remarkable cover

Overall Newsletter (2007) Exceptional publication overall

Platinum Pencil (2010) Outstanding use of graphics

* featured on cover www.sdds.org

August/September November 2011 2007 | 3| 3

President’s Message Accidents do happen When I started my practice, my insurance agent reminded me that I should have disability insurance. I listened and got my insurance. At the end of 2004, I thought since I was getting older, in good health, and not involved in any dangerous sports, I could save some money with cancellation of my disability insurance.

Thinking I am invincible, I also cancelled my business overhead expenses insurance. I did not realize I had made a big mistake.

Life is unpredictable. You may be on top of the world, but in a split second, you might find yourself upside down.

One early evening in the summer of 2008, frustrated with the TV reception, I went up to my attic to fix the antenna. The next picture in my memory bank is waking up with a swollen head in the Intensive Care Unit. I was tied down in a hospital bed. I could not see from my right eye. I could not hear from my right ear. My wife told me I fell through the attic access onto the concrete floor, fracturing my skull and multiple facial bones and my right shoulder. Thank God my wife was home and she heard the crash.

She found me unconscious and called 911.

Because of left brain hemorrhage and right epidural hematoma, I went through three hours of brain surgery; was on ventilator for three days and spent 11 days in ICU. I was placed on morphine and codeine alternately every hour and a half during my stay in the ICU. I am thankful I do not have any memory of the accident or the pain.

It is during life’s major crisis that one realizes the amount of love surrounding him. The

By Wai M. Chan, DDS

second day after my injury, a friend started seeing my patients in my office one day a week. Another friend started the second week.

They continued for six weeks, until my office manager found an associate to help out. Then another friend came in once a week to proctor my new associate. My friends did that out of love and refused any monetary compensation.

My hygienist worked additional hours. Cathy Levering and our SDDS staff provided help and support to my office staff. Since my wife had to attend to me full time, church members brought us lunch and dinners for almost two months.

God is gracious and merciful. He gave me a second chance. After two and a half months of recovery, with prayers and support from my friends, colleagues, staff and family, my doctors gave me approval to work three hours a day. It was exciting to go back to work, however even part time work exhausted me.

With no disability insurance, no business overhead expenses insurance and a big office overhead, it was not feasible to keep the practice. I sold my practice and retired.

your staff should know what to do in case you are disabled. Your loved ones should know where you keep all your important financial papers and your insurance policies.

Do not cancel your disability insurance policy and business overhead expenses insurance policy like I did. Check out Long Term Care insurance; it is much cheaper to purchase when you are still young. You and your family need the protection.

A final word of advice, stay healthy, keep in shape. You will heal faster in case you have an injury. 

at the Sacramento Convention Center

Mardi Gras Midwinter

32nd Annual SDDS MidWinter Convention & Expo

It has been three years since my accident. I am almost fully recovered. I have no bitterness of this incident. The accident gave me a new perspective in life. It was a wake-up call for me to realize the importance of family and friends.

It forced me to slow down and smell the roses. It also let me realize that I am not indispensable.

February 9 & 10, 2012

It never hurts to be prepared for the unexpected. It is good to be in a support group and a mutual aid group. You should have an emergency plan. Your spouse and

and check the website often for up-to-date MidWinter information:

Save the Date! www.sdds.org/MW2012.htm

Dr. Wai Chan found himself in the ICU in the summer of 2008, acquiring titanium plates and staples in his skull to repair the damage caused by his head injury.









  4 | The Nugget 

Get your CE the “Big Easy” way at th e 32 nd Annual MidWint er Convent ion!

Sacramento District Dental Society

From the Editor’s desk Invincible!

Maybe, but then again maybe not

When we are young and a bit arrogant, we all believe that we are invincible. I am sure that in your life journey you can remember all the things you did that put you at serious risk, without even realizing it. I can recant a litany of absolutely mindless things I did, such as picking up a manhole cover to get a football out of a sewer, going off a cliff with my dirt bike because I did not check the trail in advance, and cutting off the top of a Christmas tree and my thumb with a large knife. I was not a stranger to the emergency room by any means. On one holiday weekend, I even made it twice in one day!

Reckless perhaps, intentional not at all, stupid hardly, but I am a man, are we not supposed to be tough and invincible? Just reflect on our caveman ancestry for a moment and you will get the idea. Women do not have that same drive for self destruction, but have other very significant challenges in the health arena that can lead to disability. Hence, disability is not gender based and it can affect all of us.

Some of us are blessed with that little guardian angel who still looks after us even when we make serious errors in judgment. Others of us have a little gray cloud that follows us around and we can’t get away with anything.

The above noted mishaps were all avoidable but could have had life altering impact. Then there are those instances where a health issue

arises out of nowhere to challenge us to the highest degree. To such a degree that we have to change what we do in life, our profession, our life style, our passion. These can be devastating if the appropriate actions are not taken to protect one’s self and family.

Entering the winter of my professional life, I have been blessed by never having an issue that sidelined me from my profession for any extended period of time. Having had carpal tunnel and hip surgeries bilaterally and returning to work full time in less than two weeks was atypical. But what if it would have been different and the recovery time would have been months? Worse yet, what if I was not ever able to pick up a handpiece again or sit chairside without intractable pain? That is precisely why you need disability insurance! You never know what cards you will be dealt in the serious game of life. I was always covered with DI during my professional career, and I am so grateful that I never needed to activate it.

The articles that follow provided some sage advice. They paint a broad canvas of experience that will make you aware and help you make correct decisions in this important area of your professional life. There are also legal means that can be your advocate in the event that you feel you have been denied appropriate compensation. If you already have coverage, re-evaluate the policy that you have and get expert advice if need be. 

By Paul Binon, DDS, MSD

Associate Editor

member forum October 20, 2011 Legal info you never thought you’d need — until you do!

Presented by: Jason Wood, Esq. (Wood & Delgado) topics will include: • Trusts and probate • Provisions for your practice if something happens to you • Mutual aid agreements • The “what ifs” 6:00pm–9:00pm 2 ceu, 20% Sacramento Hilton — Arden West

A PERSONAL APPROACH TO LIFE AND WEALTH MANAGEMENT SERVICES:

x x x

Investment Services Benefits Planning Retirement Planning

x x x

Estate Planning Design College Education Planning Cost Basis Reconstruction

Call to schedule a complimentary 45-minute consultation!

(916) 367-4540 www.EagleWestGroup.com

Matt Fine, ChFC Financial Advisor matt@eaglewest.us

Chris Nunn Registered Representative chris@eaglewest.us

Registered Representative, Securities offered through Cambridge Investment Research, Inc., a Broker/Dealer, Member FINRA/SIPC. Investment Advisor Representative, Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Cambridge and Eagle West Group are not affiliated.

www.sdds.org

August/September 2011 | 5

Cathy’s Corner Revenue

Amador • El Dorado • Placer • Sacramento • Yolo

Leadership

By Cathy B. Levering

SDDS Executive Director

Right now I am sitting on a Southwest flight, flying back from Chicago and the ADA Management Conference. (Yes, this was the week of the record breaking heat wave in the Midwest; the heat index yesterday was 115 degrees.

I have never been so thankful for the Sacramento “dry heat” and the delta breeze in my life!)

Each year I try to attend the Management Conference because I return with such rejuvenation, great ideas and new friends with whom to e-mail and collaborate, as well as such an appreciation for what we are and all that we do here in Sacramento at SDDS. I was honored this year to have been asked to present a break out session on “Budgeting in the Tough Times… It’s NOT Just About the Dues!” I copresented with the Executive Director of the Connecticut Dental Association.

In the room were 50 other Executive Directors from state associations and local components. The demographics in the room were vastly different ranging from budgets over $2 million to under $200,000. In the end, we tried to impart that the same principles apply to all of us: dues are important as is our membership numbers and our members, but the non dues revenue is equally as important. The non dues revenue is what keeps our members’ dues down, and is a consistent piece of our budgeting process. Raising dues to balance the budget is not just a backwards idea, but it proves to be very unpopular, right?

I was proud to use SDDS as a great model. Our dues have been consistent for 10 years, with only one small raise to support the HR Hotline member benefit. CDA has been consistent as well. ADA was stable until this year and needed to raise dues to update very outdated technology and communications departments. (That dues increase was important!) SDDS’ non dues revenue represents 60% of our budget.

As we begin the budgeting process for the fall Board meetings, we are grateful that our membership numbers stay strong (80% of the market share!) and that we are lucky to have the income from the non dues revenue (programs, advertising, sales and outside events). Thank you to our members and our collaborators who support the non dues revenue!

With a $1 million budget (larger than many state organizations) and a bit over 1500 members, you can see that your $320 dues payment goes a long, long way. Our main interest is member benefits, member value and member service! We hope that you will agree that we are continuing to strive, to achieve and surpass those goals on a daily basis. 

President — Wai Chan, DDS Immediate Past President — Terrence Jones, DDS President Elect — Victor Hawkins, DDS Treasurer — Gary Ackerman, DDS Secretary — Kelly Giannetti, DMD, MS Editor — James Musser, DDS Executive Director — Cathy Levering

EXECUTIVE COMMITTEE

Dan Haberman, DDS, MS Carl Hillendahl, DDS Jennifer Goss, DDS Kenneth Moore, DDS Craig Johnson, DDS Viren Patel, DDS Wallace Bellamy, DMD Brian Royse, DDS Kim Wallace, DDS

Board of Directors

Kevin Keating, DDS, MS Donald Rollofson, DMD CE: Jonathan Szymanowski, DMD, MMSc CPR: Margaret Delmore, MD, DDS Dental Health: Dean Ahmad, DDS Ethics: Volki Felahy, DDS Foundation: Robert Daby, DDS Leadership Development: Terrence Jones, DDS Legislative: Mike Payne, DDS, MSD / Gabrielle Rasi, DDS Membership: Lisa Laptalo, DDS Peer Review: Bryan Judd, DDS / Brett Peterson, DDS Dental Careers Workgroup: Robin Berrin, DDS Beverly Kodama, DDS Budget & Finance Advisory: Gary Ackerman, DDS Bylaws Advisory: Adrian Carrington, DDS Fluoridation Advisory: Kim Wallace, DDS Forensics Advisory: George Gould, DDS / Mark Porco, DDS Strategic Planning Advisory: Victor Hawkins, DDS/ Gary Ackerman, DDS Golf Tournament: Damon Szymanowski, DMD SacPAC: Donald Rollofson, DMD SDDF Gala Fundraiser: Wes Yee, DDS Smiles for Kids: Donald Rollofson, DMD

Trustees Committees Standing

Ad hoc Advisory Task Forces Workgroups

Special Events Other

Nugget Editorial Board

SDDS Staff

James Musser, DDS

Cathy Levering

Editor

Paul Binon, DDS, MSD Donna Galante, DMD Alexander Malick, DMD James McNerney, DMD Christy Rollofson, DDS Oladimeji Sorunke, BDS Ash Vasanthan, DDS, MS

Executive Director

Della Yee

Program Manager/ Executive Assistant

Melissa Orth

Publications Coordinator

Lisa Murphy

Member Liaison/ Peer Review Coordinator

Erin Castleberry

Member Liaison/ Smiles for Kids Coordinator

Editors Emeritus: William Parker, DMD, MS, PhD • Bevan Richardson, DDS Advertising rates and information are sent upon request. Acceptance of advertising in the Nugget in no way constitutes approval or endorsement by Sacramento District Dental Society of products or services advertised. SDDS reserves the right to reject any advertisement.

The Nugget is an opinion and discussion magazine for SDDS membership.

Opinions expressed by authors are their own, and not necessarily those of SDDS or the Nugget Editorial Board. SDDS reserves the right to edit all contributions for clarity and length, as well as reject any material submitted.

Bid Online to support SDDF! www.sdds.org/ SDDF_Gala-Auction.htm 6 | The Nugget

The Nugget is published monthly (except bimonthly in June/July and Aug/Sept) by the SDDS, 915 28th Street, Sacramento, CA 95816 (916) 446-1211. Subscriptions are free to SDDS members, $50 per year for CDA/ADA members and $125 per year for nonmembers for postage and handling. Third class postage paid at Sacramento, CA.

Postmaster: Send address changes to SDDS, 915 28th Street, Sacramento, CA 95816.

Sacramento District Dental Society

© 2008 Sacramento District Dental Society

Non-Dues

Sacramento District Dental Society

You’ve built a practice as exceptional as you are.

Now choose the optimum insurance to protect it.

TDIC Optimum Anything but ordinary, Optimum is a professional bundle of products that combines TDIC’s singular focus in dentistry, thirty years of experience and generous multipolicy discounts. Creating the ultimate coverage to protect your practice, perfectly. And you wouldn’t have it any other way.

TDIC Optimum Bundle Professional Liability Building and Business Personal Property Workers’ Compensation Employment Practices Liability

Endorsed by Sacramento District Dental Society

Protecting dentists.

It’s all we do.

SM

800.733.0633 tdicsolutions.com Eligible multipolicy discounts apply to Professional Liability, Building and Business Personal Property and Workers’ Compensation.

www.sdds.org

August/September 2011 | 7

Why Smart Dentists

are taking a look at disability insurance As a practicing dentist, your ability to earn an income is your most important and valuable asset. If you suddenly became disabled due to injury or illness, and are unable to earn your current income, what would happen to your savings portfolio? What would happen to your children’s college funds? Your family’s standard of living? Your plans for retirement?

While the word “disability” conjures images of a catastrophic accident or severe workrelated injury, in actuality, more than 92% of

If you were to become disabled, how much money would you need each month to pay your bills and maintain your lifestyle? disabilities are caused by illness, while only 8% are the result of accidents.1 Furthermore, three in ten workers entering the workforce today will become disabled before retiring.2 A disability does not have to be completely disabling to prevent you from performing some of the day-to-day functions of your job.

That in turn can cost you lost income; and depending on whether your disability turns out to be short- or long-term, monetary losses could be substantial.

Recently, there has been a marked increase in Individual Disability Insurance sales. As savings plans, stock portfolios and investments are buffeted by today’s weakened economy, dentists are discovering that it is more important than ever to ensure that future income is protected.

Many dentists are taking a closer look at their current policies and making smart decisions now so that they are provided the maximum disability protection available, should they need it in the future. With the country’s financial health stagnant and market trends sluggish or heading downward, now is a great time to re-examine wealth-building strategies, revise or adjust if necessary, and ensure that 8 | The Nugget

there is a solid financial foundation in place for the future.

What should you do now to protect your financial future? First of all, take a fresh look at your disability insurance plan. You may have a group or individual policy in place, maybe even both; but are these plans offering the income protection you need? Group policies, purchased through a member organization or your employer, may seem more cost-effective than individual policies, but there are often major restrictions and limitations on the benefits you can receive. While individual policies are more expensive, they generally provide much greater coverage, with fewer restrictions, over the long term.

If you were to become disabled, how much money would you need each month to pay your bills and maintain your lifestyle?

How much income will your current policy replace? If you already have group coverage, you may need to purchase an individual policy to provide supplemental coverage and fill in any gaps.

The truth is group or individual, all disability policies are not created equal. Substantial differences in policies provided by different carriers mean that you must scrutinize your current policy carefully and make absolutely certain that you will receive all the coverage and benefits you deserve in case a disability prevents you from earning the income you are used to.

Let’s take a closer look at how disability insurance policies may differ, and what you should look out for: • There are only four ways to be disabled. Make sure your policy addresses all of them.

References: 1. 2007 Long-Term Disability Claims Review, Council for Disability Awareness.

2. Social Security Administration, Fact Sheet, Jan. 31, 2007.

By Pamela Trehub, Insurance Agent TDIC (SDDS Vendor Member)

• Be certain that your disability insurance contract generates the maximum benefits in most claim situations.

• Benefit levels vary by carrier. Choose one that offers limits to reflect your lifetime earnings potential.

• Any one policy provision alone does not make a good insurance policy. Pay attention to the most important considerations: renewability, definition of total disability, residual/partial disability, policy benefits and optional benefits.

What is true Own Occupation coverage?

“Own Occupation” refers to disability coverage that pays you benefits when you can no longer perform all the day-to-day duties of your present or “own” occupation, even if you can still perform some of the functions of your job, or are able to fully perform in another occupation. True Own Occupation products guarantee that if you cannot work chairside, but are still able to work (consulting, administration, teaching, sales, etc.) you will still receive 100 percent of your disability benefits — regardless of how much you earn in your new job or career — paid monthly until your policy ends.

Now is the time to talk candidly with your insurance agent, ask questions about your policy and make sure that the answers you receive are on target to protect your income throughout every stage of your dental career. Taking action now will give you the peace of mind that comes from knowing that you have fully safeguarded your standard of living, your family’s welfare and your financial future — especially in today’s uncertain business climate.  To learn more, call TDIC to speak directly with one of the insurance agents at 800-733-0633.

Disability products are underwritten by other insurance carriers, brokered through TDIC Insurance Solutions. TDIC Insurance Solutions Insurance Agent Pam Trehub Ca. Lic #0C87473. TDIC Insurance Solutions Ca. Lic # 0652783 Sacramento District Dental Society

It Will Never

Happen to you!

When Paul Binon first contacted me about writing an article for the Nugget based on my personal experiences with disability insurance, I did not answer him for a few days. My first thought was to decline because I did not want to write about myself. However, after giving it more thought, I agreed to pen an article in hopes that my experience would be of help to someone else.

My understanding of the importance of insurance began within a few months of finishing graduate school. Two months prior to graduating; being on school health insurance, and in financial distress, I was unable to afford some recommended medical tests. I decided to wait until I opened my practice and had better medical insurance.

When I arrived in Sacramento in July 1975 and opened my practice, I tried to purchase medical insurance. I quickly learned the meaning of a term I was unfamiliar with — uninsurable. Having two major surgeries within six weeks and missing several weeks of work within the first nine months of opening my practice, I decided that when I became insurable I would purchase whatever insurance I needed to protect my investment in my education, my practice, my career, and my financial future.

In the years between 1975 and 1993 I purchased as much disability insurance as the insurance company would sell me — yes, it seemed very expensive at the time. It turned out to be the most important purchase of my life. When I added partners to my practice, in addition to our personal disability policies, we purchased a group disability policy that not only covered all our employees, but ourselves as well.

Even though I had protected myself reasonably well and was fairly well insured at the time of my accident, I had made some significant mistakes. My first mistake was that I paid for my disability insurance through my corporation as a business expense (I thought I would never become disabled), so I have had to pay federal and state income taxes on my disability income www.sdds.org

By Tom Wagner, DDS

Henry Schein Professional Practice Transitions (SDDS Vendor Member)

all these years. The second mistake was that my policies did not have cost of living riders, so my disability income has never increased. I never dreamed I would become disabled, much less at such a young age, and that it would be a career ending disability. As well protected as I was, these were costly mistakes.

In my second career as a dental practice broker, I have sold several practices in which the selling dentist became disabled. Becoming disabled is life changing, even if you have disability insurance. Your level of coverage, or lack thereof, can be the difference between a

If you become disabled and are never able to work again, it would be very beneficial to have one or more policies that provide income for life. mild to moderate decrease in income, resulting in a change in lifestyle (the ability to still live a comfortable life), to the other extreme of financial devastation (no income, unable to work, and significant medical expenses).

I have had a long time to think about my disability coverage and what I would do (based on my experience) if I were young again. I would purchase as much disability insurance as I could possibly purchase. I would purchase cost of living riders on half of my coverage (to keep the cost down) in case of a long term disability. If you end up disabled for many years you want at least a portion of your income to increase annually. I would definitely want “Definition of Occupation” for the clinical practice of dentistry. If you are able to work in another occupation it is a significant benefit to be able to continue to receive your disability income in addition to the income from your new occupation. I would purchase multiple policies and stagger

the waiting periods to make it more affordable (all of your income doesn’t need to begin in thirty days). The disability that takes you out of practice for a short time (six months or less) is problematic; the disability that ends your career can be catastrophic, especially if you are young. If still available, one of the policies I would purchase would have lifetime benefits, with as long a waiting period as possible to decrease the cost. If you become disabled and are never able to work again, it would be very beneficial to have one or more policies that provide income for life (which some of my disabled friends have).

Your agent can provide you with many statistics about dentists who become disabled.

When it happens to you, it is no longer about percentages, odds and statistics; for you it is 100%. When you become disabled, the decisions you have made regarding disability insurance coverage will directly affect you and your family every day of the rest of your life.

I haven’t talked with anyone yet that hasn’t said they would do some things differently if they had a second chance to purchase disability coverage. When you lose the ability to practice, you lose the income stream that provides for every day necessities, the food on your table, your home, cars, lifestyle, vacations and travel, your ability to provide for your children’s education, your ability to purchase health insurance, your ability to seek medical treatment to recover from injuries and illnesses, and your ability to provide for your retirement.

You have invested a significant amount of time and money to become a dentist. Dentistry can provide you with an enviable lifestyle and it is all based on an income stream. Disability can be progressive or it can occur in an instant.

One minute life is great and the next minute your life has changed forever and your income stream is gone, maybe for the rest of your life.

I can’t emphasize enough how important it is to be prepared for what you believe will never happen to you.  August/September 2011 | 9

A Case for Having a

Good Disability Policy I purchased my first private practice in June of 1989. Fortunately, I took over existing systems, vendors, accountants and advisors, including an insurance agent who set me up with Life and Disability insurance. At the time, I was struggling to justify paying $266/month for insurance I did not foresee needing. After all, I was 34 years old, just

My disability insurance is allowing me to practice dentistry joyfully.

invested a huge amount of borrowed money into my practice, my wife was eight months pregnant, and we just bought a new home. I was tempted to divert that money towards my daughter’s college fund, but reluctantly kept paying the premiums. I promised myself to take a more careful look at my expenses when I had a little bit more free time. (I am still looking for that free time today!) A few years later, I heard testimonials from doctors during a Tax Planning meeting that convinced me to keep my disability policies.

In July of 2003, my wife and I decided to relocate to Granite Bay and sold our home and my practice. Weeks before moving, I was offered a position with a Bio-Medical company to be their VP of operations in Hot Springs, Arkansas. We moved to Arkansas and now, more than ever, I contemplated dropping my Disability Policy especially since the company offered DI for their employees. I consulted my insurance agent and she advised

link of the month 10 | The Nugget

me to keep my policies since, in her words, “they don’t write policies like yours anymore!”

Reluctantly, I kept my policies. The job did not work out. I came back to Granite Bay and started a scratch practice in Roseville.

Fast forward to January of 2006 , I suddenly found myself afflicted with a condition that rendered me partially disabled. I decided it was time to collect and submitted an application for residual benefits. While my application was being reviewed, I spent many sleepless nights worrying about how my insurance would compensate me. If my benefits were determined based on my current income, I was in deep trouble. To my surprise, the insurance company used the “highest” annual income reported to IRS within the past five years of the disability to calculate my base salary (called Pre-Disability Income, or PDI). It turned out 2002 was my best year ever becoming the benchmark for calculating my Pre-Disability Income (PDI).

After my mandatory 60 day wait, my benefits started. Here is how it works: if my current net monthly income is less than 25% of my PDI, I receive my full benefits. If I earn more than 75% of my PDI, I get no benefits, and any net income within 25-75%, I received the equivalent percentage of my PDI. It has now been five years since my application for benefits. My medical condition is permanent and as long as my doctors sign off on my medical reports, I am receiving benefits according to my policy provisions.

My disability insurance is allowing me to practice dentistry joyfully. Did I forget to mention that my benefits are tax free? I heeded my agent’s advice and elected not to

By Alexander Malick, DMD, FAGD General Dentist (SDDS Member)

deduct the premiums in exchange for Tax Free Benefits.

Am I receiving benefits automatically? OH NO! Here is what I have to do to receive my benefits: • Submit monthly financial reports (profit and loss) • Submit tax returns for annual reconciliation • Submit quarterly disability update reports • Submit quarterly medical reports by my physicians • Attend annual interviews where a comprehensive review of my disability from inception is carried out and transcribed into a written report kept on file.

Recommendations based on my experience: • If you don’t have a policy, BUY ONE! • Read and understand your policy provisions • Do not deduct the premiums as a business expense • Buy an additional office overhead policy it covers expenses for short disabilities • Have reserve funds to afford your policy waiting period (most are now 90 days) • Make sure you have a residual policy, aka partial disability • Make sure your policy has “Own Occupation” clause • Review your policy semi-annually.

• Purchase enough insurance to maintain your current and future lifestyle. 

The Smile Sacramento online auction is OPEN! Support the Foundation by bidding TODAY at:

www.sdds.org/SDDF_Gala-Auction.htm Sacramento District Dental Society

Switch to a stronger banking relationship.

Personalized attention. Customized banking services. And the strength of a solid financial partner.

When it comes to managing your money, switch to the bank that’s been a part of Sacramento and the California landscape for well over a century. In fact, Union Bank has been helping Californians succeed for nearly 150 years. We’re deeply invested in the local communities we serve. And with our proven history of sound financial policies, we’re ready to put our strength to work for you. Isn’t it time you switched to a bank that puts your best interests first?

Country Club Branch – 2650 Watt Avenue, Sacramento, CA 95821 Janice Villano, VP & Branch Manager, (916) 979-7221

©2010 Union Bank, N.A.

Visit us at unionbank.com

Specializing in Complete Dental Offices and Tenant Improvements

Christy K. Rollofson, DDS, Inc. Elk Grove, CA

Olson Construction, Inc. is a design/build construction firm who can take your office from design to finish. They have proven themselves to be the go-to company when you want your dental office done on time and within budget.

David Olson, General Contractor License #822960 (209) 366-2486 www.olsonconstructioninc.com

www.sdds.org

August/September 2011 | 11

A First-Hand Look

into a legitimate disability claim — or is it?

‘Twas the week before graduation and all the seniors were still in a mild state of disbelief that it was almost over. We were assembled to hear the Life, Disability and Health Insurance sales reps give information about guaranteed conversions for after graduation. After all, you have to have all these policies just in case the unforeseen happens. As luck would have it, it happened to me.

During school I was involved in an auto accident which left me with one herniated disc and one bulging disc. At the time it seemed like no major issue for me since I was young and strong, and felt like I could manage with exercise, a good diet and proper chairside ergonomics. It seemed to be working okay for a while. Other than a slight stiff back and mild sciatica from time to time I just kept on going without a thought of how this may affect my future. After being out of school and working all those long associate hours for two to three years, I noticed that my symptoms were worsening by the month.

Some nights I would literally come home and just curl up in a ball and pray that the pain would go away.

Finally, after four years, enough was enough.

No matter what I did, I could not get relief.

After much research and speaking to as many spine specialists as possible, the answer to my well being became rather evident; surgery!

The thought of it scared me to death. All I had ever heard were stories of people ending

6950 Destiny Dr. Rocklin, CA Fully Built-Out Dental Sale Price $984,000

12 | The Nugget

up with chronic pain syndrome and having the flexibility of a two by four. Luckily I found a surgeon who specialized in sports related injuries to the spine, and he painted nothing short of a Picasso result. My family and I had numerous conversations as whether or not this was the right path to travel.

After weighing all of the risks, benefits and alternatives to the procedure, it seemed to be the logical choice.

The intent of this article is not to give you my sob story, or tell you how horrific the next few years would be. Rather to let you know how my

All [the claim representative] could tell me was, “It looks like it was denied.”

I could not believe it. disability carrier reacted to my injury. A week after the first back surgery I fell down a flight of stairs. The result, another surgery! Only this time they had to go through my abdomen, and I was to be out of practice for at least three months. Then a month after the anterior fusion surgery, I was diagnosed with a torn abdominal wall which resulted in a debilitating MRSA infection which lasted a better part of a year. So, for a period of nearly a year and a half I was either having abdominal surgeries to clear

5400 Park Dr. Rocklin, CA Shell Medical Building Sale Price $528,080-$115/SF

By William Koett, Jr., DDS

General Dentist (SDDS Member)

the infection, or back surgeries to correct all of the damage that was continuing to occur due to the ripped abdominal wall and subsequent chronic infection.

The difficult part of all of this was is that I owned my own practice. Prior to the first surgery, the logistics were planned out. I would have the surgery in Mid-December, and return to work after the New Year. The problem was is that it just did not work out that way. When the surgeons told me that I was to have a fusion surgery to correct the damage, I knew I was going to have to take some evasive action, as I would be out for at least three months. That was when I contacted my disability insurance to let them know what was happening, and inquired as to what I needed to do to process a claim.

When I inquired about how to go about making my first claim, the representative seemed so sympathetic, and reassured me that I was in good hands and that claim forms were on their way. The forms arrived within a day or two, and were very lengthy. I took all of the appropriate steps, answered all of the questions honestly and had the treating doctors fill out their respective reports. I returned all the claim forms within a week. I felt a sense of relief that help was on the way, and that I may have the chance to recover correctly.

Two weeks passed, and I had heard nothing.

I was growing more and more anxious by

Gordon Stevenson Senior Vice President Healthcare Real Estate Specialist TRI Commercial 2250 Douglas Blvd., Suite 200 Roseville, CA 95661 916.677.8150 Tel gstevenson@tricommercial.com

Helping Those That Help Others 30 Years of Real Estate Experience

Sacramento District Dental Society

the day due to my inability to practice effectively. I then called my carrier and spoke to the claim representative to determine the status of the claim. All she could tell me was, “It looks like it was denied.”

I could not believe it. When I asked her why, all she would tell me is that someone would be contacting me in the near future. Another few weeks went by, and progressively I was having more and more difficulty practicing dentistry and my practice suffered greatly. I was at the end of the road. I just could not physically handle the work anymore. Fortunately, my father is a dentist who had been semiretired for only a half year. He graciously substituted for me in my practice, allowing me some much needed rest time.

After about another two weeks, I received a letter from my carrier stating that my claim was denied due to lack of needed information.

So of course I appealed and started the process all over again. I vividly remember the September morning when I spoke to the new claims representative. He told me that this was a really complicated case, and he needed to ask me for some additional information. I thought I was in for a long in depth conversation. The first question was “Have you viewed any radiographs since you made your claim and or since you incurred your injury?” “Yes.” I replied. “Have you sat chairside with any patient and examined any patient dental or otherwise in this time frame?” “Yes.” Shortly thereafter the gentleman stated he had all of the information that he needed, and that I would be hearing from them shortly. Keep in mind that I had a “graded” policy. Every year, the monthly benefit would increase. My policy was in effect nearly seven years and the benefit amount would have covered all the expenses at that time in my life. It would have easily given me ample breathing room to get healthy, and make my practice viable again.

Two weeks later I was informed that my claim was denied. When I inquired as to why the claim was denied, the answer for the insurance carrier was simple. In order to receive benefits, you have to be disabled for six consecutive months. Since I had viewed films, examined a patient’s mouth and completed a treatment plan, I was ineligible under the insurance contract. The moral of the story is that you need to know ALL the fine points of the insurance policy that you have, before you do anything that might compromise your disability claim.

In other words, consult an expert! 

Back in time…

Can you identify these SDDS Members?

30 minutes can impact your next 30 years Did you know many people today can expect their retirement to last 30 years or more? A good financial plan can help you feel more confident that you won’t outlive your savings in retirement.

As an Ameriprise financial advisor, I can help you seamlessly integrate both your practice and personal goals into one easy-tomanage plan to help you put a confident retirement within reach.

Start preparing today. Call me for a complimentary 30-minute consultation.

Our Advisors. Your Dreams. MORE WITHIN REACH® Call me today at (916) 787.9988 Violetta Sit Terpeluk CFP®, MBA, CRPC® Senior Financial Advisor Business Financial Advisor

Only the winner will be notified.

Members cannot identify themselves.

violetta.s.terpeluk@ampf.com ameripriseadvisors.com/ violetta.s.terpeluk

Ameriprise Financial Services, Inc. Member FINRA and SIPC. The initial consultation provides an overview of financial planning concepts. You will not receive written analysis and/or recommendations. © 2011 Ameriprise Financial, Inc. All rights reserved.

What kind of financing do you need?

You’ll find it here — and much more. �

�

� � �

The first SDDS member to call the SDDS office (916.446.1227) with ALL THREE correct names wins $10 off their next General Meeting registration.

2270 Douglas Boulevard | Suite 218 Roseville, CA 95661 (916) 787.9988

�

�

New office start-ups — get started with up to 100% project financing,* including design, construction, equipment and working capital.

Practice sales and purchases — our team of experts can provide the experience and industry knowledge you need for buying and selling.

Business debt consolidation**— to improve your cash flow.

Office improvement and expansion — remodel, refurbish, or expand.

Commercial real estate — choose from a suite of comprehensive real estate loan options to buy, refinance,* or relocate.

Equipment financing*— choose from a variety of options and flexible terms tailored to meet your needs.

Consulting and Educational loans — from $10,000 to $75,000, which can include up to $10,000 for travel.

Want to know more? Contact your Practice Specialist today at 1.800.491.3623. Mention Priority Code ADDPH10A. Or visit us online at www.bankofamerica.com/practicesolutions.

Watch for the answer in the October 2011 Nugget!

Answer from June/July 2011 issue : Dr. Stephen Estes Congratulations, Dr. Pat Penney, for winning the prize!

www.sdds.org

*All programs subject to credit approval and loan amounts are subject to creditworthiness. Some restrictions may apply. Loans greater than $250,000 may be eligible for a 20-year term. **Banc of America Practice Solutions may prohibit use of an account to pay off or pay down another Bank of America account. � Bank of America and Banc of America Practice Solutions are trademarks of Bank of America Corporation. Banc of America Practice Solutions is a subsidiary of Bank of America Corporation. © 2010 Bank of America Corporation

August/September 2011 | 13

Collecting Disability Insurance Benefits is not like buying a disability policy Dentists and surgeons have the highest number of claims for long term disability benefits amongst all medical professionals.

This fact is not surprising given the requirements of manual dexterity, fine motor skills and the amount of time required to complete most dental procedures. As an attorney who has helped thousands of individuals collect long term disability insurance benefits, I am a strong advocate for

Buying a disability insurance policy is similar to selecting the options when buying a new car. long term disability insurance. I think every dentist should purchase as much coverage as possible in order to protect their income in the event of a disabling injury or sickness.

With the assistance of an experienced insurance sales agent, a dentist can purchase a very good disability insurance policy.

But, how easy is the process of collecting disability insurance benefits if a claim must be filed? The simple answer is that if neither a serious injury nor a life threatening disease has been sustained, then a dentist must be prepared for what can be a challenging, frustrating and highly scrutinized disability claims handling process.

You Get What You Pay For with Disability Insurance Coverage Buying a disability insurance policy is similar to selecting the options when buying a new car. Just like a car, the more options you select, the more you will pay in insurance premiums.

In its simplest form, a long term disability insurance policy is a contract. Every disability policy is written differently based upon the options selected at the time the policy was purchased. For purposes of this article I will 14 | The Nugget

make the assumption that a dentist purchased a policy which defines total disability as “the inability to perform the substantial and material duties (or important duties) of your occupation at the time you became disabled.” This definition of total disability is known as an “own occupation” definition of total disability. A good disability policy will continue the own occupation definition of disability until the policy expires; however there are numerous disability policies that end the own occupation definition after either 24 or 60 months of receiving benefits. A dentist should always pay additional premiums for an own occupation disability policy. Most policies will pay disability benefits until age 65; however there are policies that will pay lifetime depending upon the age at which the claimant becomes disabled.

Most dentists purchase a disability policy with a residual disability rider, which usually states “if you are working and unable to perform one or more of the duties of your occupation and you have at least a 20% loss of monthly income,” then you will be eligible for a percentage of your monthly disability benefit. For example, if due to injury or sickness your monthly income drops by 50%, then you would be entitled to receive 50% of the monthly benefit amount purchased. If you had purchased a $12,000 monthly benefit contract, then you would be entitled to a $6,000 monthly benefit. With a residual disability claim, the amount of the monthly benefit will change based upon the percentage of lost income each month due to disability. A claimant with a residual disability claim would be required to submit monthly financial documentation and monthly production reports to the disability insurance company.

“Substantial and Material Duties” is a Challenging Term in Dental Disability Claims If a dentist qualifies for total disability benefits, then the amount of money earned each

By Gregory Michael Dell, DDS

Dell & Schaefer

month by the claimant is usually not relevant in determining the amount of monthly benefits owed. With a true “own occupation” definition of total disability, a dentist should receive their full monthly benefit if they cannot perform their “substantial and material duties.” What are the “substantial and material duties” of a dentist and how does a disability insurance company quantify them? Disability insurance policies do not define “substantial and material duties” as the duties of each individual dentist are always different. As such, disability carriers will commonly challenge a total disability claim following their completion of an occupational duties analysis.

To determine the substantial and material duties of a dentist prior to disability, the following documents may be requested by the disability insurance company: • Monthly ADA Production Reports for the 12 months prior to date of disability • Annual ADA Production Reports for the two years prior to date of disability • Monthly Profit & Loss Statements for the 12 months prior to disability • Annual Profit & Loss Statements for the two years prior to disability • Corporate Tax Returns for the five years prior to date of disability • Personal Tax Returns for the five years prior to date of disability • A copy of the claimant’s patient appointment calendar for the 6–12 months prior to disability • Monthly corporate bank statements for the 6–12 months prior to disability • Payroll records for the 6–12 months prior to disability • A list of the names and contact information of all employees prior to disability • A copy of the claimant’s recent application for malpractice insurance Sacramento District Dental Society

• A copy of the claimant’s recent application for state dental license certification Most claimants will ask us why any of the above information is relevant. The disability insurance companies will not make any assumptions about your dental duties. They do not believe any claimant unless they have documentation to support the claim. The disability company compares the claimant’s documented medical restrictions and limitations1 with the dental duties that the claimant was performing prior to disability.

All of the information listed above is not relevant to a disability claim, but the Production Reports are essential in order to determine pre-disability duties. The Profit and Loss Statements and Tax Returns are used by the disability carrier to verify that you are actually generating income that supports your production reports. The tax returns are also used by the insurance company to determine if a claimant is seeking disability because their business is not doing well and whether they will make more or similar money collecting disability benefits. The appointment calendar is used to verify the hours per day a claimant is at work and the number of patients per day that a dentist was treating. The payroll records and list of all employees are used as another method to verify that the claimant was working pre-disability.

The disability companies also like to speak with co-workers to determine if they noticed or were aware of any medical conditions that prevented the claimant from performing any dental duties. In most cases we find that a dentist does not tell his or her staff about their medical conditions. Lastly, the applications for malpractice insurance or dental licenses are used to see if the claimant answered any questions about whether he or she has a medical condition which would affect their ability to safely perform dentistry. The disability companies are constantly searching for any inconsistent statement, which they can use to impeach the credibility of the claimant.

The credibility of the claimant is extremely important because it is not the diagnosis of a medical condition that disables a claimant,

but rather it is the subjective complaints of pain and limitations caused by the medical condition. If a disability carrier thinks a claimant lied about a matter unrelated to their medical condition, then they assume that the claimant is also lying about the severity of their claimed disability. Disability companies will employ numerous other techniques, such as video surveillance, in order to verify the credibility of a claimant.

Selecting a Date of Disability Should Be Planned if Possible Dentists never plan to be disabled, but if they need to file a disability claim they must be prepared. A very small percentage of long term disability claims are the result of a serious injury or catastrophic event that forces a dentist to stop working immediately.

The majority of disability claims for dentists are caused by chronic illnesses such as neck or back degenerative disc disease, carpal

Initial approval does not mean you will continuously receive disability benefits; therefore it is important that you continue to diligently maintain your disability claim at all times. tunnel or shoulder problems. Most dentists are able to continue working with a chronic illness until they feel that they can no longer provide a safe or effective level of care for their patients. We often represent dentists who have been working with a chronic illness for several months or years before they file a disability claim. In this scenario, the disability company wants an explanation as to why the dentist was able to continue working but then suddenly stopped working. Approval of disability benefits becomes more difficult if a dentist continues to work with a chronic illness and does not have any reduction in individual production prior to disability. A

Notes: 1. Medical restrictions and limitations are provided by a claimant’s treating physician.

Physician support is essential in order for any claimant to be eligible for disability benefits. It is important that a treating physician understands the occupational duties of the claimant and the definition of disability in the claimant’s disability policy.

A treating physician must take detailed examination notes and be aware that their medical records will be scrutinized by the disability insurance company.

www.sdds.org

claim gets more complicated when a dentist realizes that they are having great difficulty performing their duties, but they have to continue working if they want to have any chance of selling their dental practice. We don’t recommend a date of disability that is the same as the date the claimant’s practice is sold. A date of disability must be selected by coordinating a claimant’s medical records with a six month analysis of the dentist’s monthly production reports. Disability policies have anywhere from a 30 day to 180 day elimination period before benefits are payable. There is usually sufficient time beyond the elimination period to submit a disability claim.

A properly documented disability claim with the appropriate medical support will normally result in claim approval. If there are any inconsistencies or insufficient data, a claim decision will either be denied or delayed for months. Filing a long term disability claim is an emotionally difficult experience for most dentists. Additionally, there are usually several hundred thousand or millions of dollars that could potentially be owed to a disabled dentist. Initial approval does not mean you will continuously receive disability benefits; therefore it is important that you continue to diligently maintain your disability claim at all times. Disability insurance companies are in business to make money. If they have a reason to deny a claim, they will do so without hesitation.  About the author: Gregory Michael Dell is a nationally recognized disability insurance attorney and managing partner of the disability income division of Attorneys Dell & Schaefer. The firm’s disability income division is comprised of eight attorneys who represent claimants nationwide, throughout all stages (i.e. applications, denials, appeals, litigation, & lump-sum policy buyouts) of a claim for individual or group (ERISA) long-term disability. Mr. Dell and his team of disability lawyers have assisted thousands of long-term disability claimants with their claims against every major disability insurance company.

For additional information visit www.diAttorney. com or call 888-Say-Dell.

SDDS HR hotline

1-800-399-5331 August/September 2011 | 15

MEDICAL GAS SUPPLY

&

DELIVERY

E QUIPMENT SALES &REPAIRS 35 Years Experience TECHNICAL SUPPORT Loyalty Value INSPECTIONS & CERTIFICATIONS SYSTEM RENOVATIONS & INSTALLATIONS

ANALGESIC SERVICES, INC. The Best

Products At the Best

Prices With the Best

REFERRAL REWARDS During the months of August, September and October

Service

Refer a Doctor who uses medical gas or liquid nitrogen and

CALL TODAY!

WE will pay for deliveries for EACH office for an ENTIRE month!

916 928-1068 16 | The Nugget

Sacramento District Dental Society

DENTAL OFFICE C O N S T R U C T I O N

S P E C I A L I S T S

A THUMBS UP EXPERIENCE PE

Damon Szymanowski Orthodontics

DESIGN/BUILD NEW CONSTRUCTION

Todd Andrews & Damon Szymanowski

Because we specialize in construction for dental professionals, Andrews Construction, Inc understands the unique needs specific to dentists.

Our 30+ years of experience assures you that we deliver QUALITY, SERVICE and SATISFACTION on every meticulously run project. Thumbs Up to that!

TENANT IMPROVEMENTS REMODELING

www.sdds.org

SDDS Vendor Member Since 2001

916 743-5151 andrewsconstructioninc.com

August/September 2011 | 17

In memoriam Randolph “Cotton” Walthall, DDS Dr. Walthall passed away of natural causes on February 14, 2011, at the age of 86. He graduated from Greenbriar Military Academy before attending Concord College and West Virginia University. He earned his DDS from University of Louisville, KY. During his college years he was an avid golfer and a guard on the basketball teams at Concord College and WVU. Dr. Walthall served his country for three years as a Staff Sergeant with the 425th Medical Ambulance Corps, stationed at Pearl Harbor, and was honorably discharged in 1946.

He married Jane Hamilton on July 28, 1951, and together they spent 60 wonderful years.

The Walthall family moved to Sacramento in 1957, where Dr. Walthall established his dental practice and went on to serve the Sacramento community for more than 30 years. Dr. Walthall was a member of SDDS for 54 years. 

condolences Our condolences to Dr. Nicholas Rotas on the passing of his father. Our thoughts are with Dr. Rotas and his family. 

SDDS HR hotline

1-800-399-5331 18 | The Nugget

Volunteer Opportunities Smiles for Kids Description: SDDF’s Smiles for Kids’ program will conduct free dental screenings at area schools (Fall 2011). Uninsured children who are screened as needed urgent care will be referred for free treatment on SFK day 2012 (Saturday, Feb 4th). After SFK day, kids with additional needs will receive free treatment through the Adopt-a-Kid program (Feb–May 2012).

Kids with orthodontic needs will be referred to the SFK orthodontic program and 65–75 will be chosen to receive free orthodontic treatment.

CCMP

Patient base: Uninsured children within our five-county area in need of urgent dental care Services provided: Free dental care Volunteers needed: Screening doctors (Fall 2011), doctors to “host” an SFK site at their office on SFK day, doctors and staff to work on SFK day, doctors to “adopt” patients for follow-up care after SFK day.

Contact info: SDDS office (916.446.1227 • smilesforkids@sdds.org)

Coalition for Concerned Medical Professionals

Description: Association of medical and dental professionals concerned about lack of access to care (private, all-volunteer, non-government funded)

Volunteers needed: General dentists, specialists, assistants and hygienists.

Patient base: Low income workers.

Also Needed: Dental labs and supply companies to partner with; home hygiene supplies

Services provided: Free preventative medical and non-emergency dental care.

Contact info: Ed Gilbert (916.925.9379 • ccmp.pa@juno.com)

The Gathering Inn Description: The mission of the Gathering Inn is to provide physical, mental and spiritual restoration for the homeless women, men and children of South Placer County.

Volunteers needed: Dentists, dental assistants, hygienists and lab participants for onsite clinic expansion.

Patient base: South Placer County homeless men, women and children.

Contact info: Ann Peck (916.296.4057 • annpeck49@aol.com) Volunteer Coordinator

Services provided: Social, health and case management services to help individuals become active participants in our community.

OPEN House: July 26, 2011 (5:30–7:30pm)

Willow Dental Clinic Located at the Sacramento Salvation Army A student run, free dental and medical clinic, started

by UC Davis students Description: Dental clinic currently operates at the Sacramento Salvation Army approximately once a month on Saturdays from 8:30am-12:30pm, but would like to offer services more frequently. There are also volunteer physicians on staff and medications available through the Willow Medical clinic which operates weekly in the same building at the same time.

Patient base: Homeless men and women in Sacramento, some of whom are currently receiving aid at the Salvation Army; they are all very appreciative of our time and service.

Services provided: Most of the work involves extractions and amalgam restorations.

Volunteers needed: Dentists and hygienists (equipment not needed to volunteer) Equipment needed: Mobile equipment to loan or donate – currently limited to using the mobile equipment and instruments brought in by Dr. Alex Tomaich and Dr. Dagon Jones Contact info: Michael Robins (530.864.8843 • marobbins@ucdavis.edu) volunteering or donations

Sacramento District Dental Society

Sacramento district dental society foundation

A charitable 501-C3 organization

Final Statistics Total screened: 25,796 Total treated: 888 Total doctor volunteers: 388

(29% of membership)

Total staff volunteers: 372 SFK Day Total: $394,751

Smiles for Big Kids

Smiles for Kids

Final statistics for sfk & sfbk Final Statistics Total screened: 438 Referred for treatment: 347 Placed cases: 175 Treatment completed: 154

(21 still in progress)

(average of $5,300/child)

Total doctor volunteers: 128 Doctors donated: $355,878 Lab partners donated: $4,136 Lab fees paid by grants: $16,680

SFK 2012 TOTAL DONATED: $1,075,490

SFBK 2012 Total donated: $372,974

(average of $590/child)

Adopt-a-Kid Total: $267,339

(average of $1,221/child)

WICKED Date TBA

during the weeks of May 23–June 17, 2012

Ortho Total: $413,400

www.sdds.org

Final dates coming Sept 1, 2011

Date TBA during the week of Sept 27–Oct 2, 2011

Date TBA during the week of Jan 24–29, 2012

Date TBA during the week of Mar 13–18, 2012

Date TBA during the week of Apr 17–22, 2012

August/September 2011 | 19

september 9

november 4

Lasers & Minimally Invasive Dentistry Douglas Young, DDS, MS, MBA

8:30am–1:30pm • 5 CE, core 13

8:30am–1:30pm • 5 CE, core

Kenneth Tittle, DDS, MS

8

6:00pm–9:00pm • 2 CE, core

Alternative Work Week, Wage & Hour Issues

Licensure in a Day

12

Infection Control, CA Dental Practice Act, OSHA Update Marcella Oster, RDA

16

LR

10

6:00pm–9:00pm • 2 CE, core

Hygiene Night

CPR Renewal: Basic Life Support (BLS)

LR

Are You HIP with HIPAA… & All Things Paperless?

14

19

6:30pm–9:00pm • 2 CEU, 20%

february Bid Online to support SDDF! www.sdds.org/ SDDF_Gala-Auction.htm

Bisphosphonate-Related Osteonecrosis of the Jaw 6:00pm–9:00pm • 2 CE, core

CDA Night

California Employers Association

6:30pm–9:00pm • 2 CEU, 20%

KEY: 20 | The Nugget

at the Sacramento

10

Mardi Gras Midwinter

February 9 & 10, 2012

Noon–1:00pm • 1 CE, 20%

Jason Wood, Esq. (Wood & Delgado)

9

& Convention Center

SDDS presents the 32nd Annual SDDS MidWinter Convention & Expo

Employee Leaves & Time Off

Legal Info You Never Thought You’d Need… Until You Do!

New Labor Laws for 2012 California Employers Association

Smile Sacramento Gala

William Mora, MD

20

LR

Noon–1:00pm • 1 CE, 20%

6:30pm • Hyatt Regency Sacramento

19

CPR Renewal: Basic Life Support (BLS) 8:30am–12:30pm • 4 CE, core

to benefit the Foundation

11

Principle-Driven Periodontal Therapy: A Call to Action Kim Miller, RDH, BSDH

Garrett Gatewood, et al (Tekfix Team)

october 1

january

Drilling Down on Generational Communication

8:30am–12:30pm • 4 CE, core

Sponsored by Eagle West Group, Inc.

8:30am–3:30pm • 6 CE, core

6:30pm

Staff Night

Noon–1:00pm • 1 CE, 20%

Annual Holiday Party, Silent Auction & Installation of Officers Del Paso Country Club

6:00pm–9:00pm • 2 CE, 20%

California Employers Association

30

6

Sponsored by: Dentsply North America & Eagle West Group, Inc.

Gordon Fowler, President (3Fold Communications)

New Member Night 20

Smile Design: Something Old, Something New, Something Borrowed & Something RED? Doug Lambert, DDS

Treating Trauma Without Drama

december

LR

Licensure Renewal Course: The Dental Board of California requires CPR BLS Renewal (AHA or Red Cross approved), two hours of Infection Control and two hours of California Dental Practice Act for each license renewal cycle.

= General Membership Meeting •

calen

= Member Forum (Business Series) • Sacramento District Dental Society

march 6

16

april 10

Endodontic Diagnosis: Understanding Pulpal Pain

Tom Lenhart, II, DMD

6:00pm–9:00pm • 2 CE, core

6:00pm–9:00pm • 2 CE, core

Spouse Night

Recruitment Night

Adult Conscious Sedation Recertification Course

Turkey Creek Golf Course

8

CPR Renewal: Basic Life Support (BLS)

22

Retirement Roundtable: It’s NEVER Too Early, but When is it Too Late?

Foundation Night

LR 16

Ask the Expert — Bring All Your HR Questions!

Branding or Rebranding?

That is the Question!

California Employers Association

Gordon Fowler, President (3Fold Communications)

20/20 Financial Advisers of Sacramento Ameriprise Financial • Eagle West Group, Inc. Principal Financial Group • TDIC

6:30pm–9:00pm • No CE

Medical Emergencies Do Occur in Children: Are You Prepared?

6:00pm–9:00pm • 2 CE, core

8:30am–4:30pm • 7 CE, core 19

SDDF Annual Golf Tournament

David Rothman, DDS

8:30am–12:30pm • 4 CE, core

Anthony Feck, DMD

11

Medical Emergencies in the Dental Office

Ralan Wong, DDS

14

may

Noon–1:00pm • 1 CE, 20%

6:30pm–9:00pm • No CE 25

Staff Evaluations — How, When & Why?

june 1

California Employers Association

Don’t Forget!

Your 2011–12 Program at a Glance details all the info you see here in a convenient pocket-sized format!

M PROGRANACE at a GL

2011–2012

Noon–1:00pm • 1 CE, 20% 27

CA Dental Practice Act & Infection Control Marcella Oster, RDA

8:30am–12:30pm • 4 CE, core

LR

Wait! I Still Feel That!

Problem-Solving the Delivery of Local Anesthesia Alan Budenz, DDS

–2012 SDDS 2011 a Glance Program at

District Denta Sacramento UI Street " 4BDSBNFOUP $

l Society

8:30am–1:30pm • 5 CE, core INGS HIP MEET MEMBERS GENERAL LR RSES FORUMS MEMBER WAL COU RE RENE LICENSU VENTION R CON COURSES MIDWINTE RENE WAL ATION COURSES CPR BLS ING EDUC CONTINU TS EVEN SPECIAL

TAL SOC

SACRAM

RICT DEN ENTO DIST

For more information on SDDS events, visit:

IETY

www.sdds.org

2011–2012

ndar of events = Continuing Education • www.sdds.org

= HR Audio Conference •

= CPR •

= Special Event August/September 2011 | 21

you

the dentist, the employer

The Top Mistakes

You are a dentist. You’ve been to school, taken your Boards and settled into practice. End of story?

Not quite. Employee evaluations, hiring and firing, labor laws and personnel files are an important part of being an employer. Are you up on the changes that happen nearly EVERY January 1st?

In this monthly column, we will offer information pertinent to you, the dentist as the employer.

You Might Be Making

By California Employers Association (SDDS Vendor Member) Ask yourself these questions and then read on to find out the answers.

New Hires I just have to have my new hire fill out a W4, right?

You are required by law to give the following forms to each new hire; INS I-9 form, W-4, copy of employee’s rights under Worker’s Comp., Form DFEH 185 Harassment, Form DE 2515 EED Disability Insurance Pamphlet, Form DE 2511 Paid Family Leave Brochure, Form DE 34 EDD Report of New Employees.

Tardiness My employee is chronically late for his shift. How can I manage the situation?

Document, document, document. Start documenting when the employee is late, have verbal and if needed written warnings regarding the situation. Call the hotline for sample write-up templates, record everything in their personnel file and stay on top of the situation.

Breaks Can my employees work through their lunch as long as I provide the pizza?

No. Nonexempt employees are required to have an unpaid, duty-free thirty minute meal period if they work in excess of six hours in a day. Nonexempt employees must also take their meal break within five hours of the start of their shift.

Can my employees combine their breaks so they can leave early at the end of the day?

No. As an employer you are required to provide rest breaks for nonexempt employees of no less than 10 consecutive minutes for each four hours (or major portion thereof ) worked, occurring as near as possible to the middle of the work period.

Did you know? SDDS has a great, member only benefit — the HR Hotline! SDDS members can call (800) 399-5331, Monday through Friday from 8:00am to 5:00pm, talk to a real person and get answers to Human Resource questions.

The hotline is free to all SDDS members — another valuable benefit!

The Human Resource Hotline is staffed by HR professionals from CEA, the California Employers Association. CEA has been helping small employers with their HR issues for more than 70 years and is a not for profit HR consulting and advice company.

Now that the hotline and all of these resources are available to you, don’t be afraid to use them!

If you have an employee relation issue that is causing you concern, need to order applications, new hire or termination packets or if you just want to double check what you have been doing in the past in regards to human resource policies, call the hotline, the CEA team is ready and willing to assist you! 

HR audio conferences September 20, 2011 Alternative Work Week, Wage & Hour issues • Rulings from CA Supreme Court • Meal & rest periods • Common mistakes Noon–1pm • 1 ce, 20%

October 19, 2011 Employee Leaves & Time off • Laws governing CA employers • Employee’s rights • Who is eligible • Effects on PTO, vacation, sick & wages Noon–1pm • 1 ce, 20%

Call the SDDS HR hotline with all Your burning questions — 22 | The Nugget

1-800-399-5331 Sacramento District Dental Society

By Stephen Casagrande, DDS

A new pathway to licensure for california dental students www.sdds.org

Exciting new developments have occurred in the examination process in the State of California. Last fall, the Legislature passed a bill which would authorize the Board to adopt regulations that would create a new pathway to licensure for graduates of Board-approved California dental schools. Assembly Bill 1524, sponsored by the Dental Board of California (DBC) and introduced by Assemblywoman Hayashi, was signed into law by Governor Arnold Schwarzenegger at the close of the legislative session. This bill creates regulatory authority for the nation’s first-ever dental school-based portfolio examination process and once implemented, will offer students attending Board-approved California dental schools an additional pathway to licensure and an alternative to the Western Regional Examination Board (WREB) examination.

The Portfolio Assessment was born out of the desire to eliminate the need to give a stand-alone exam to those candidate students who could meet the requirements set by the DBC. While this new type of assessment exceeds the present requirements for testing on patients, it is also based on achieving a required number of clinical experiences. The required clinical experiences in diagnosis and treatment planning, periodontics, direct and indirect restorative prosthodontics, and endodontics, will be tested on patients of record in the schools by way of the competency exams with oversight by the Board. Over time, calibration, standardization, verification, and cooperation will be important components of this new and novel approach to assessing candidates.

Although AB 1524 became effective on January 1, 2011, implementation of this new pathway will not be available to students until the regulations outlining the portfolio examination process are developed and adopted by the Board. During the next year, staff will be working with an Examination Subcommittee to draft language that will be reviewed and discussed in public hearings. The hearings will be noticed on the Board’s Web site. If you are interested in receiving notification of these regulatory hearings, please join the Board’s e-mail notification list. To do so, go to the Board’s Web site, www.dbc.ca.gov, and select the“E-mail Mailing List”from the“Quick Hits” menu on the left side of the page. Enter your e-mail address and click on “submit.” It is that simple. To confirm your identity, an e-mail message, requesting confirmation, will be sent to the e-mail address you provide. Please follow the instructions in that message.

If you wish to continue receiving the Board’s e-mail notices, you should keep your e-mail address current on this list. There is no charge for this service.

The Dental Board of California appreciates the support it has received from throughout the country for the development of this new pathway to licensure. We will continue to strive to be a leader in public protection, promotion of oral health, and access to quality care. 

August/September 2011 | 23

2012 Slate of Leadership

Carl Hillendahl, DDS

Victor Hawkins, DDS

SDDS Board (2010–13)

President

Board Member

General Practitioner • SDDS Member since 2000

General Practitioner • SDDS Member since 1963

Committee Involvement: Board Room Usage Task Force, Ethics*, Leadership Evaluation Task Force

Executive Committee (2009–12) • SDDS Board (2005–08) • Foundation Board (2009–10) Delegate (2007–12) • Alternate (2006) • Smiles for Kids Site Host

Beverly Kodama, DDS

Committee Involvement: CPR* • GMC Task Force • Other Honors & Positions: CDA Council on Continuing Education (past), CDAF Advisory Board — Northern CA* (past), ADA Alternate Delegate (past)

SDDS Board (1992–94, 2002–03, 2012–13) Delegate (1994–96, 2011–12) • Alternate (2008–09, 2010)

Gary Ackerman, DDS

President-Elect/Treasurer

General Practitioner • SDDS Member since 1987

Board Member/Delegate

General Practitioner • SDDS Member since 1983

Committee Involvement: CE*, Dental Careers Workgroup, Leadership Development, Member Forum, MidWinter Convention, Nugget Editorial, Prophylaxis Task Force

Executive Committee (2010–12) • SDDS Board (2005–08) • Foundation Board (2010) Delegate (2004–05, 2007–08, 2009–12) • Smiles for Kids

Viren Patel, DDS

Committee Involvement: CE*, MidWinter Convention • Other Honors & Positions: CDA Board of Managers (past), ADA Delegate (past)

SDDS Board (2009–12) • Foundation Board (2001) • Delegate (2009–10)

Kelly Giannetti, DDS

Secretary

Delegate

General Practitioner • SDDS Member since 1996 Committee Involvement: Dental Health, Leadership Development, Leadership Evaluation Task Force*, Membership, Nugget Editorial, Peer Review, Strategic Plan, Student Mentoring Workgroup

Orthodontist • SDDS Member since 1999

Executive Committee (2011–12) • SDDS Board (2006–2011) Foundation Board (2000–05) Vice President (2003–04) Delegate (2008–12) • Alternate (2007–08) • Smiles for Kids

Notice of Annual Meeting & Elections SDDS Elections 2006

Committee Involvement: Board Size Task Force, Ethics, Leadership Development, Legislative Policy / Guidelines Task Force, Strategic Plan

SDDS EXECUTIVE COMMITTEE

General Practitioner • SDDS Member since 1982

President: Victor Hawkins, DDS President Elect / Treasurer: Gary Ackerman, DDS Secretary: Kelly Giannetti, DMD, MS Immediate Past President: Wai Chan, DDS

Executive Committee (2008–12) • SDDS Board (2004–05, 2007) Foundation Board (2008) • Delegate (2003–12) • Alternate (2002) • Smiles for Kids

Board of Directors

Wai Chan, DDS

Immediate Past President

Committee Involvement: Budget & Finance, CE, GMC Task Force, Legislative, MidWinter Convention, Peer Review, Strategic Plan • Other Honors & Positions: Asian Dentist of the Year (2006), CA AGD Dentist of the Year (2006), CDA Policy Development Council (past), ADA Alternate Delegate (past)

Robert Gillis, DMD, MS

Trustee

Prosthodontist • SDDS Member since 1977

Executive Committee (2000–04) • SDDS Board (2000–04, 2012–13) Foundation Board (2003–06, 2010–11) • Delegate (1999–2004, 2010) • Alternate (2011) Committee Involvement: Ad Hoc Diversity, Budget & Finance, Bylaws Advisory, CE*, Council on Community Health*, Dental Care, Dental Careers Work Group, Forensics, Fluoridation, Leadership Development, Mentor/Mentee Program, SacPAC, SDDF Golf Tournament, UCD Dental Clinical Task Force

Nancy Archibald, DDS

Board Member/Delegate

General Practitioner • SDDS Member since 1984

SDDS Board (1999–01, 2012–13) • Delegate (1999–00, 2009–10, 2011–12) • Alternate (2008) Committee Involvement: Communications*, Council on Administration, Leadership Development, Prophylaxis Task Force, SDDF Gala

Adrian Carrington, DDS

Existing Board Members continuing 2011–12 term:

Wallace Bellamy, DDS • Jennifer Goss, DDS Dan Haberman, DDS, MS • Viren Patel, DDS Kim Wallace, DDS

Trustee

Robert Gillis, DMD, MS (1st term, 2012–13) Existing Trustee continuing 2011–13 term:

Kevin Keating, DDS, MS

Delegates to the CDA House of Delegates (2 year term, 2011–12): Nancy Archibald, DDS Adrian Carrington, DDS (2nd term) Beverly Kodama, DDS Viren Patel, DDS

Existing Delegates continuing 2010–11 term:

Delegate

General Practitioner • SDDS Member since 1992

Executive Committee (2006–10) • Foundation Board (2006, 2010) Delegate (2001–02, 2004–12) • Alternate (2003) • Smiles for Kids Site Host Committee Involvement: CPR (instructor), Leadership Development, Membership, Peer Review*, Ad Hoc (various), CDA Council on Peer Review 24 | The Nugget

Nancy Archibald, DDS (2012–2013: 1st term) Carl Hillendahl, DDS (2012–2013: 2nd term) Beverly Kodama, DDS (2012–2013: 1st term)

Gary Ackerman, DDS • Wai Chan, DDS Matthew Comfort, DDS • Kelly Giannetti, DMD, MS Victor Hawkins, DDS • Terrence Jones, DDS Craig Johnson, DDS • Kenneth Moore, DDS Kim Wallace, DDS

Sample Ballot • Sample Ballot

13, 2006 2011 Elections to be held at General Meeting September 12,

Sacramento District Dental Society

Committee Corner

You asked for this!

Nugget Survey 2009

Peer Review Committee: we can do better Over the last decade that I have been involved with the Peer Review System, I have put a lot of thought into how our patients end up there.

In large part, the reasons can be classified into three categories: poor communication, poor records and pride.

Poor communication I have been able to go to Seattle and learn from Dr. John Kois. One of the very first things that Dr. Kois teaches is communicating the risks and benefits from doing or not doing a procedure. He discusses the expected outcomes and then records the conversation in the patient record, covering himself legally and easing future problems. We all have chased deep decay, not finding an exposure but leaving an angry nerve. With Peer Review, a common problem is a tooth needing future root canal therapy, post and crown. This, at least in the patients’ eyes, is the dentists’ fault as they believed that all was well. We all need to do better communicating the risks, benefits and expected outcomes of treatment.

Poor records “If it’s not written down, it didn’t happen!”

Far too often with Peer Review we hear “I told her the decay was deep,” or “He was told that there might be sensitivity with the new crown,” from the treating dentist, but

nowhere is that found in the clinical record. If meticulous records are taken, noting why the procedure was done, the extent of the defect,

Many times with Peer Review, we see pride getting in the way of an easy resolution.

Just cut the check. and size of the restoration with expected outcomes, future problems go away and patients work with us through the difficulties.

The right word in the right spot could save you thousands of dollars and much grief.

Pride Many times the best way to mitigate a problem is to say “I’m sorry. Please let me fix that for you.” Writing a check, with a kind smile, is often the best way to diffuse a difficult situation. Many times with Peer Review, we see pride getting in the way of an easy resolution. Just cut the check.

Being a member of the Peer Review Committee, I have learned personally from each individual case. I have realized that if circumstances were just slightly different, I could be the one having to explain my actions regarding an angry patient. We all can do better. 

Need a job? • Need an associate?

Looking to sell? • Looking to buy?

The SDDS Job Bank is your go-to place to connect with fellow members.

CDA member dentists and DHP member auxiliaries only. Confidential and public lists available.

SDDS Job Bank www.sdds.org/JobBank.htm www.sdds.org

By Bryan Judd, DDS

Peer Review Committee Co-Chair

2011 sdds Committee Meetings: Board of Directors (SDDS / 6:00pm) Sept 6 • Nov 1 CE Committee (SDDS / 6:00pm) Sept 20 • Nov 29 CPR Committee (SDDS / 6:30pm) Future meetings TBA Dental Health Committee (SDDS / 6:30pm) Sept 12 • Nov 14 Ethics Committee (SDDS / 6:30pm) Sept 28 • Nov 16 Foundation (SDDF) (SDDS / 6:00pm) Sept 12 • Nov 17 Golf Committee (SDDS / 6:00pm) Completed for 2011 Leadership Dev. Committee (SDDS / 6:00pm) Completed for 2011 Mass Disaster / Forensics Committee (Location TBA / 6:30pm) 2011 Meetings TBA Membership Committee (SDDS / 6:00pm) Sept 20 • Nov 15

Nugget Editorial Committee (SDDS / 6:15pm) Sept 27 SacPAC Committee (SDDS / 6:00pm) 2011 meetings TBA

August/September 2011 | 25

You’ll find it here — and much more.

�

Practice sales and purchases — our team of experts can provide the experience and industry knowledge you need for buying and selling.

Business debt consolidation**— to improve your cash flow.

Office improvement and expansion — remodel, refurbish, or expand.

� �

Financial Services

�

Commercial real estate — choose from a suite of comprehensive real Ameriprise Financial estate loan options to buy, refinance,* or relocate.

�

Violetta CFP®, MBA, CRPC® terms tailored toSit meetTerpeluk, your needs.

�

Geary Guy, VP Steve Shupe, VP

Advisor

916.787.9988 www.ameripriseadvisors.com/ since Want to know more? Contact your Practice Specialist today at violetta.s.terpeluk

2009

1.800.491.3623. Mention Priority Code ADDPH10A. Or visit us online at www.bankofamerica.com/practicesolutions.

since

2004

916.928.1068 www.asimedical.com

Banc of America Practice Solutions

Phil Hoover • 415.891.8789

since www.bankofamerica.com/practicesolutions

2011

12.10_ad_3.625x4.875_1-BW.indd 1

12/3/10 10:11 AM

2004

Marc Davis • Morgan Davis • Lynda Doyle

Andrew Mallett, Branch Manager

916.772.4192 www.bluenorthernbuilders.com

since

2007

Dental Supplies

Kim Parker, Executive VP Mari Bradford, HR Hotline Manager

Lauren Herman • 209.969.6468 Kevin McKittrick • 916.765.9101

Crest / Oral B

since

www.dentalcare.com

2002

Job Placement

Permanent & Temporary

dentassist

Lisa Saiia, Director

since

2003

916.443.1113 www.dentassist.com

since

2009

916-624-2800 800-649-6999 4095 Del Mar Ave. #13 Rocklin, CA 95677 www.descodentalequipment.com

since

2009

2011

www.joannetanner.com

PATTERSON DENTAL

since

2005

2010

2003

2003

since

2010

26 | The Nugget

John Urrutia, CPA, Partner Chris Mann, CPA, Partner 916.774-4208 www.muncpas.com

916.773.3343 www.principal.com

Kathy Olson

Becki Bell, Marketing Director

916.568.7200 www.straine.com

since

2010

Professional Practice transitions

since

2002

916.452.6200 www.sacmag.com

since

construction

Olson Construction, Inc.

David Olson

since

2004

RelyAid

Jim Alfheim, President of Sales & Marketing

since

2009

800.775.6412 916.431.8046 www.relyaid.com

precious metal refining

Star Refining

since

2009

Jim Ryan, Sales Consultant 800.333.9990 www.starrefining.com

Insurance

The Dentists Insurance Company

Charise Salivar

Amin Amirkhizi, CEO

2010

209.366.2486 www.olsonconstructioninc.com

Dental Supplies

Supply Doc, Inc.

877.311.7373 www.supplydoc.com

916.626.3002 www.henryschein.com

2005

Dental Supplies

since

Dental Supplies

Henry Schein Dental

Magazine

Straine Consulting

2003

916.576.5650 www.firstus.org

Lucas Rayburn

Practice Management & consulting since

Chris Nunn

Sacramento Magazine

Olivia Straine • Kerry Straine

Eagle West Group, Inc.

916.367.4540 www.eaglewestgroup.com

Resource Staffing Group

916.960.2668 www.resourcestaff.com

Financial Services

916.624.2800 www.descosac.com

Principal Financial Group

Staffing Services

since

2011

Financial Services

Patterson Dental

Dennis Nelson, CPA, APC

916.988.8583 www.cpa4dentists.net

since

Financial Services

since

Financial Services

Dennis Nelson, CPA

Mann, Urrutia, Nelson, CPAs

James Ryan

since

CPA, APC PLANNING & CONSULTING ASSOCIATES

Gordon Gerwig, Business Services Manager

Dental Supplies

800.736.4688 www.pattersondental.com

D ENNIS NELSON

First US Community Credit Union

JoAnne Tanner, MBA

since

2011

Tony Vigil, President

Financial Services

Practice Management & consulting

JoAnne Tanner, MBA • 916.791.2720

916.784.8200 www.burkhartdental.com

since

dental Supplies

Fechter & Company

916.979.7671 www.fechtercpa.com

Burkhart Dental

DESCO Dental Equipment

The Dental Equipment Specialists

Financial Services

Craig Fechter, CPA

2002

Dental Supplies

Human Resources

800.399.5331 www.employers.org

since

Blue Northern Builders

California Employers Association

since

Todd Andrews 916.743.5150 www.andrewsconstructioninc.com

construction

Financial Services *All programs subject to credit approval and loan amounts are subject to creditworthiness. Some restrictions may apply. Loans greater than $250,000 may be eligible for a 20-year term. **Banc of America Practice Solutions may prohibit use of an account to pay off or pay down another Bank of America account. � Bank of America and Banc of America Practice Solutions are trademarks of Bank of America Corporation. Banc of America Practice Solutions is a subsidiary of Bank of America Corporation. © 2010 Bank of America Corporation

Andrews Construction, Inc.

Analgesic Services

Equipment financing*— choose from a variety of options and flexible

Advisor, Business ConsultingFinancial and Educational loans — from $10,000 to Financial $75,000, which can include up to $10,000 for travel.

construction

Medical Gases

since

2011

Vendor Member B

New office start-ups — get started with up to 100% project financing,* including design, construction, equipment and working capital.

916.554.4919 www.cda.org

Sacramento District Dental Society

Vendor Member A

�

Technology

since

2011

Tilcon Dental Building Specialists

Garrett Gatewood, President

Jeff Tilford, Owner

877.291.1099 www.tekfixteam.net

916.258.5538 www.tilconbuilders.com

since

2011

Interior Design

Transition Broker

Jeanne Maloney, V.P. Healthcare

Tim Giroux, DDS, President John Noble, MBA

Western Contract

since

2011

916.213.1742 www.westerncontract.com

Financial Services

Construction

Tekfix Team

Union Bank

Philip Kong

since

2010

916.533.6882 www.unionbank.com

Legal Services

Western Practice Sales

800.641.4179 www.westernpracticesales.com

since

2007

vendor member spotlights:

Wood & Delgado

Jason Wood, Esq.

since

2010

1.800.499.1474 • 949.553.1474 www.dentalattorneys.com

Please note that 20/20 Financial Advisers of Sacramento has elected not to renew their Vendor Membership at this time. Please remove them from your directory. We appreciate their past support and hope that they will return soon.

Back this year!

New this year!

WESTERN CONTRACT, a company with a well-deserved reputation for superior customer service since 1959, has united with Jeanne Maloney of Design Directions to form Sacramento’s largest full service dental design firm.

This combined company brings together over 30 years of dental design experience with the purchasing power of a major furniture distributor, ready to provide you a leading-edge dental office with impeccable design and quality furnishings at an unbeatable price.

INTERIOR DESIGN AND SPACE PLANNING • From pre-planning through construction and furnishing installation • Color palette, artwork and finish selection • Specialty design of glass and lighting • CA licensed contractor • CID accreditation • LEED-accredited designers PROJECT MANAGEMENT • Project coordination during all phases of construction • Communication with all trades so that costs are managed and schedules are on track FURNITURE • 6,000 sf healthcare furniture showroom, so you can “try before you buy” • Dedicated healthcare finishes library • Over 200 healthcare and business furniture manufacturers available Our distinguished clients have included: • Alan Tan, DDS, Orthodontics, Woodland CA • Michael Rex Favero, DMD, Sacramento CA • Timothy Wong, DDS, John Fat, DDS, MS, Endodontics, Sacramento CA • Amy Woo, DDS, Sacramento CA

Jeanne Maloney, V.P. Healthcare

Burkhart Dental Supply provides equipment, technology, office design, equipment repair, supplies, business consulting and continuing education services across the Western United States, helping dentists realize their clinical and professional goals. We grow our sales with the sales efforts of our Account Managers, Equipment Specialists, Technology Specialists and Branch Managers through the relationships they cultivate and develop.

For over a century, the people of Burkhart have focused on helping dentists achieve personal and professional success. Today this is still our passion.

We are distinguished by our values, ethics and people. The key is a deep belief in win-win relationships.

“I ask everyone at Burkhart to focus on three things — acting with the integrity that earns client trust; being a knowledgeable resource; and always working in the client’s best interest.

I believe that our fulfillment of these principles differentiates us. They aren’t new ideas, and Burkhart’s culture and identity have long been based on these principles. But adhering to them and really living up to them, regardless of the business climate we operate in at any given time, are a constant challenge with great rewards, “ asserts Lori Burkhart, fifth generation Burkhart Dental Supply President.

Andrew Mallett, Branch Manager

amallett@burkhartdental.com • (916) 784-8200 • www.burkhartdental.com

we love

our SDDS Vendor Members!

Vendor Member A

Vendor Member B

maloneyj@westerncontract.com • (916) 213-1742 • www.westerncontract.com

www.sdds.org

August/September 2011 | 27

We’re blowing your horn!

Congratulations to...

Dr. Cris Shepard, for receiving the 2011 Clinical Dentist of the Year Award from the Indian Health Service National Oral Health Council.

Dr. Clifford Chow, for his recent Board Certification and Diplomate status in orofacial pain, from the American Board of Orofacial Pain.

Juliana Yee, daughter of Dr. Wesley Yee, for her acceptance to Stanford Law School.

Dr. Sang Tran and his wife, Thanh Nguyen, on the birth of Sophie Diem Tran on June 14, 2011. Sophie was born at 8 lb, 2 oz and measured 19.5 inches long. (photo below) 

Dr. William Swearingen, for the sale of his practice to Dr. Michelle Bartolome.

Dr. Kathy Hosseini, on the purchase of her dental practice in El Dorado Hills.

Dr. Louis Gallia, for his appointment to the Dental Board of California Elective Facial Cosmetic Surgery Permit Credentialing Committee.

Have some news you’d like to share with the Society? Please send your information (via email, fax or mail) to SDDS for publication in the Nugget!

Sophie Diem Tran born June 14, 2011 to Dr. Sang Tran and Thanh Nguyen

Bishara Award of Merit awarded to

Dr. Peter Worth

The College of Diplomates of the American Board of Orthodontics recently awarded one of our own!

At the Annual College meeting held this year in San Diego, Dr. Peter Worth was awarded the Bishara Award of Merit. He was honored for his years of unselfish contribution to the College by volunteering his time as an instructor for the ABO Clinical Exam both at the AAO Annual Session and PCSO meetings.

Drs. Peter Worth and John Whittaker are the first ever recipients of this prestigious honor!

Congratulations!

28 | The Nugget

Sacramento District Dental Society

fingerprinting for Licensees

Reprinted from DBC Newsletter (Winter 2011)

Contact us today for your

Complimentary Practice “Check-Up” Just like patients...Everyone needs a check-up!

916.784.6982 • gayles@dmsolutionsinc.com

Dream Systems, LLC

DENTAL SLEEP SERVICES

Specializing in FDA-approved oral appliances for snoring & sleep apnea

Since 1984, all dentists applying for a license through the California Dental Board have been fingerprinted. This was not a requirement for dentists licensed before 1984, and for Registered Dental Assistants licensed before 1999. Furthermore, not all licensees have submitted their fingerprints to the Board electronically. The process for submitting fingerprints electronically is known as “Live Scan.”

Recently, several articles in the Los Angeles Times reported on nurses who have a criminal background or are incarcerated and continue to hold a valid California license. These reports have made the Dental Board aware that there may be dental licensees who have committed criminal acts that have not come to the Board’s attention because the Board did not require fingerprinting of dentists before 1984 and before 1999 for Registered Dental Assistants. The Board feels that this may place consumers or other licensees who employ or work with these individuals at risk. The Board has proposed regulations that will require any dentist licensed before 1984, any Registered Dental Assistant licensed before 1999, and any licensee for whom an electronic submission of fingerprints does not exist, to be fingerprinted before his or her license is renewed. These regulations were approved by the first quarter of 2011, meaning the Dental Board will begin notifying all affected licensees. Those licensees will be responsible for submitting Live Scan fingerprints to the Dental Board before their next license renewal or the license will be placed on an inactive status until fingerprints are submitted to the Board.

The Live Scan process is simple, and can easily be completed at numerous locations throughout the state. Fees vary by location, but a licensee can expect to pay $51 plus a rolling fee between $10 and $30. 

NOTE: PLEASE WAIT UNTIL YOU ARE NOTIFIED BY THE DENTAL BOARD TO TAKE ACTION ON THIS MATTER. HELPING YOU & YOUR PATIENTS MANAGE THEIR SNORING & SLEEP APNEA O2 Oasys Oral / Nasal Airway System Mandibular advancement to open the throat and nasal dilation to increase nasal air flow

www.oasyssleep.com

E.M.A. — Elastic Mandibular Advancement Device Mandibular advancement in 1mm strap increments and strengths

www.myersontooth.com/sleepbetter

www.sdds.org

720 Sunrise Avenue, 210-D Roseville, CA 95661 (916) 872-9569 • (916) 606-1295 www.dreamsystemsdentallab.com

Jim Addiego GENERAL MANAGER

Are you an SDDS Fan? August/September 2011 | 29

Advertiser Index Dental Laboratories

Elite Aesthetics Dental Studio . . . . . . . . . . . . . . . . . . . . . . 34

Dental Supplies, equipment, Repair

Accurate Handpiece Repair . . . . . . . . . . . . . . . . . . . . . . . . 29 Burkhart Dental Supply . . . . . . . . . . . . . . . . . . . . . . . . 26, 27 DESCO Dental Equipment . . . . . . . . . . . . . . . . . . . . . 23, 26 Dream Systems, LLC . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 29 Henry Schein Dental . . . . . . . . . . . . . . . . . . . . . . . . . . 23, 26 Patterson Dental Supply, Inc. . . . . . . . . . . . . . . . . . . . . . . . 26 Procter & Gamble Distributing Co. . . . . . . . . . . . . . . . . . . 26 RelyAid . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 26 Supply Doc, Inc. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 26

Education

San Joaquin Valley College . . . . . . . . . . . . . . . . . . . . . . . . . 30

Financial & Insurance Services

Ameriprise Financial . . . . . . . . . . . . . . . . . . . . . . . . . . . 13, 26 Banc of America Practice Solutions . . . . . . . . . . . . . . . 13, 26 Dennis Nelson, CPA . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 26 Eagle West Group, Inc. . . . . . . . . . . . . . . . . . . . . . . . . 5, 26 Fechter & Company, CPAs . . . . . . . . . . . . . . . . . . . . . . . . 26 First U.S. Community Credit Union . . . . . . . . . . . . . . . . 26 Mann, Urrutia & Nelson, CPAs . . . . . . . . . . . . . . . . . . . 26 Principal Financial Group . . . . . . . . . . . . . . . . . . . . . . . . 26 TDIC & TDIC Insurance Services . . . . . . . . . . . . . . 7, 26, 33 Union Bank . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11, 27

Human Resources

California Employers Association (CEA) . . . . . . . . . . . . . . . . 26

Legal services

Wood & Delgado . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 27

Medical Gas Services

Analgesic Services, Inc. . . . . . . . . . . . . . . . . . . . . . . . . . 16, 26

Office Design & Construction

Andrews Construction . . . . . . . . . . . . . . . . . . . . . . . . . 17, 26 Blue Northern Builders, Inc. . . . . . . . . . . . . . . . . . . . . . . . 26 Henry Schein Dental . . . . . . . . . . . . . . . . . . . . . . . . . . 23, 26 Olson Construction, Inc. . . . . . . . . . . . . . . . . . . . . . . . 11, 26 Tilcon Builders . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 27 Western Contract . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 27

Practice Sales, Lease, Management and/or Consulting

Dental Management Solutions . . . . . . . . . . . . . . . . . . . . . . 30 Henry Schein Dental . . . . . . . . . . . . . . . . . . . . . . . . . . 23, 26 JoAnne Tanner, MBA. . . . . . . . . . . . . . . . . . . . . . . . . . 26, 30 Straine Consulting . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 26 TRI Commercial Real Estate (Gordon Stevenson) . . . . . . . . 12 Western Practice Sales . . . . . . . . . . . . . . . . . . . . . . . . . 27, 34

Publications

Sacramento Magazine . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 26

Staffing services

dentassist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17, 26 Resource Staffing Group . . . . . . . . . . . . . . . . . . . . . . . . . . . . 26

Technology

Tekfix Team . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 27

Waste management services

Star Refining . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 26

30 | The Nugget

Sacramento District Dental Society

Welcome to SDDS’s new members, transfers and applicants.

Important Numbers: SDDS (doctor’s line) . . . . . . . (916) 446-1227 ADA . . . . . . . . . . . . . . . . . . . (800) 621-8099 CDA . . . . . . . . . . . . . . . . . . . (800) 736-8702 CDA Contact Center . . (866) CDA-MEMBER

(866-232-6362) CDA Practice Resource Ctr . . cdacompass.com TDIC Insurance Solutions . . . (800) 733-0633 Denti-Cal Referral . . . . . . . . . (800) 322-6384 Central Valley Well Being Committee . . . . . (559) 359-5631

New Members Bijan Aflatooni, DDS General Practitioner 9381 E Stockton Blvd, Ste 219 Elk Grove, CA 95624 (916) 670-1886 Dr. Bijan Aflatooni graduated from Tehran University in 1974 with his DDS. He is currently practicing in Elk Grove with his son and fellow SDDS member, Dr. Nima Aflatooni, and lives in Elk Grove with his wife, Farzaneh.

Wel M. Franklin Godfrey, III, DDS co General Practitioner bac me PO Box 2178 k!

Loomis, CA 95650 (916) 660-0907 Dr. M. Franklin Godfrey, III graduated from Loma Linda University in 1989 with his DDS. He is currently based in Loomis and practices mobile dentistry.

Blain Jacobson, DMD Orthodontist 6910 Douglas Blvd, Ste A Granite Bay, CA 95746 (916) 772-4353 Dr. Blain Jacobson graduated from Harvard School of Dental Medicine in 2006 with his DMD and later completed his specialty certification in orthodontics at Jacksonville University in 2008. He is currently practicing in Granite Bay and Davis and lives in Rancho Cordova.

Emerson Lake, DDS General Practitioner 6500 Lonetree Blvd Rocklin, CA 95765 (916) 797-8511 Dr. Emerson Lake graduated from the UOP Arthur A. Dugoni School of Dentistry earlier this year with his DDS. He is currently practicing in Rocklin with fellow SDDS member, Dr. Charles Smurthwaite, and lives in Loomis.

Keep us updated!

Aug/Sept 2011 Wel

co Leo Townsend, DDS bac me General Practitioner k!

7915 Laguna Blvd, Ste 120 Elk Grove, CA 95758 (916) 683-1335 Dr. Leo Townsend graduated from Meharry Medical College School of Dentistry in 1989 with his DDS and later completed a residency at Genesee Hospital in 1990. He is currently practicing in Elk Grove and lives in Sacramento with his wife, Dawn.

New Transfer Members: Paul A. Johnson, DDS Transferred from San Francisco Dental Society Pediatric Dentist 7916 Pebble Beach Dr, Ste 101 Citrus Heights, CA 95610 (916) 962-0577 Dr. Paul A. Johnson graduated from the UCSF School of Dentistry in 2008 with his DDS and just completed his specialty certification in pediatric dentistry there earlier this year. He is currently practicing in Citrus Heights with fellow SDDS member Dr. Cindy Weideman and associates and lives in El Cerrito.

David Keating, DDS Transferred from Western Los Angeles Dental Society Endodontist 1810 Professional Dr, Ste A Sacramento, CA 95825 (916) 485-6900 Dr. David Keating graduated from the UCSF School of Dentistry in 2009 with his DDS and just completed his specialty certification in endodontics at the UCLA School of Dentistry earlier this year. He is currently practicing in Sacramento with his father and fellow SDDS member, Dr. Kevin Keating and the rest of Endodontic Associates (Drs. Whitnack, Bal, Opp and Greene).

Moving?

Opening another office?

Offering new services?

Share your information with the Society!

We can only refer you if we know where you are; and we rely on having your current information on file to keep you informed of valuable member events! Give us a call at (916) 446-1227.

The more accurate information we have, the better we can serve you!

www.sdds.org

More

CLIP OUT this handy NEW MEMBER UPDATE and insert it into your DIRECTORY under the “NEW MEMBERS” tab.

total membership (as of 7/15/11): 1,560 total active members: 1,296 total retired members: 202 total Dual members: 2 total affiliate members: 11

total student/ provisional members: 3 total current applicants: 6 total dhp members: 40

total new members for 2011: 40 August/September 2011 | 31

Steve Leighty, DDS Transferred from Butte-Sierra District Dental Society Oral & Maxillofacial Surgeon 1240 High St, # 105 Auburn, CA 95603 (530) 272-8871 Dr. Steve Leighty graduated from the UCSF School of Dentistry in 1991 with his DDS and later completed his specialty certification in oral and maxillofacial surgery at the University of Washington in 1995. He is currently practicing in Auburn and lives in Grass Valley with his wife, Karen. Dr. Leighty has been an affiliate member with SDDS since 2008 while practicing in Grass Valley but has officially transferred his membership upon the opening of his new office in Auburn!

New Applicants: Mark Engel, DDS Ashley Joves, DDS Smita Khandwala, BDS – Welcome back!

Tamar Lev, DDS Timothy Lyons, DDS – Welcome back!

Mignon Mapanao, DMD

Place this page in the “New Members” section of your 2011–12 SDDS Directory

Victoria Mosur, DDS Transferred from Northern California Dental Society General Practitioner Pending Office Address Dr. Victoria Mosur graduated from the USC Herman Ostrow School of Dentistry in 2005 with her DDS and is currently living in Folsom.

Sacramento District Dental Society

member

Get a

member

SDDS BEGINS “MEMBER GET A MEMBER” PROGRAM! Do you know someone who should join SDDS? Whether it is a new dentist, an older dentist who has never joined, or just someone who has lapsed, you are eligible to win!

If you recommend a new member and that person joins, you will be entered into a drawing each month — September, October and November for SDDS. The SDDS GRAND DRAWING is December 1st and the GRAND PRIZE is that we pay your SDDS dues ($320) for the 2012 year.

Here’s how it works! Recommend a new member and make sure they sign up and you will be eligible for the following: a. If you are a dues paying member (paid a minimum of $333)…

CDA will pay you $100* within two weeks of your referral. b. Either way, regardless of how much you paid in dues, you are entered in the monthly SDDS drawing for a great prize. c. Either way, regardless of how much you paid in dues, you continue to be in the “pot” for FREE SDDS DUES for 2012.

Free

SDDS D ues for 201 2!

Congratulations to all SDDS members who have referred a new member since May — their names are in the “pot” for the September 1st drawing.

* $100 per referral up to $500 for five referrals

CLIP OUT this handy NEW MEMBER UPDATE and insert it into your DIRECTORY under the “NEW MEMBERS” tab.

Need an associate? Staff? Buying or selling a practice?

Check out the Job Bank at www.sdds.org!

32 | The Nugget

Sacramento District Dental Society

Getting all of your insurance through the most trusted source?

Good call.

Protect your business: TDIC Optimum bundle

Protect your life:

t Professional Liability

t Long-Term Care

t Building and Business Personal Property t Workers’ Compensation t Employment Practices Liability

t Life/Health/Disability t Business Overhead Expense t Home and Auto

Endorsed by Sacramento District Dental Society

Protecting dentists.

It’s all we do.

SM

800.733.0633

tdicsolutions.com

CA Insurance Lic. #0652783

Coverages specifically written by The Dentists Insurance Company include Professional Liability, Building and Business Personal Property, Workers’ Compensation and Employment Practices Liability. Life, Health, Disability, Long-Term Care, Business Overhead Expense and Home and Auto products are underwritten by other insurance carriers and offered through TDIC Insurance Solutions.

www.sdds.org

August/September 2011 | 33

Event highlights

WESTERN PRACTICE SALES John M. Cahill Associates

Dental Day at Raley Field

June 9, 2011 — RiverCats vs. Tacoma Rainiers

~NATIONWIDE EXPOSURE~ LOCALLY OWNED

By Dentists, For Dentists Tim Giroux, DDS

1

2

This is what separates Western Practice Sales from other brokerage firms. As dentists and business professionals in your area, we understand the unique aspects of your dental practice and offer more practical knowledge than any other brokerage firm.

Testimonials Jon Noble, MBA

3

4 Mona Chang, DDS

“The fact that you are a dentist adds a whole new dimension to your abilities as a broker, one which most other brokers cannot come close to” ”Your personal dedication to making everything happen was a unique touch” ”Your experience & knowledge coupled with your kind personal touch I believe makes you the best in the industry!”

6

5

7

1: Dr. Vic Hawkins (right) and his staff await the opening pitch. 2: Dr. Megan Moyneur (right) enjoys quality time with her husband, Matt and daughter, Paige.

3: Dr. Peter Worth is ready for a foul ball to fly his way! 4: Dr. Dean Ahmad and his wife, Comel (left), soak up a beautiful day at the ballpark with their staff. 5: Dr. Jamson Wu and his wife, Lily, make it a family outing with their children.

6: Dr. Lisa and Luko Laptalo (left) and her staff “root, root, root for the home team!” 7: The East Sac Dental team catch baseball fever!

Link to your practice website on www.sdds.org! $300 for one year (renew for $100/year) SDDS members only, please.

Visit www.sdds.org/MembersOnline.htm for more info.

Visit www.sdds.org/MembersOnline.htm for more info.

34 | The Nugget

John Cahill, MBA

”It’s great to have you right here in the Sacramento area. You were always available and always full of advice. Thank you”

800.641.4179

Dave Judy

wps@succeed.net adstransitions.com westernpracticesales.com

SDDS MEMBERS ONLY:

15% off your first case!

1911 DOUGLAS BOULEVARD, STE 85-438 • ROSEVILLE, CA 95661

916.990.6279 • eadentalstudio.com

Sacramento District Dental Society

design your own dental suite offering generous tenant improvements for this 800 sq ft office space. Rent negotiation is available. The suite is in a three story midtown dental complex. (916) 448-5702.

11-10 suite for lease — in Midtown Sacramento at 30th & P. Ideal for perio, endo or oral surgery. Improvements + allowance for modification. Signage, high visibility, on-site parking and freeway access. In the midst of Sutter’s medical campus expansion. (916) 473-8810. Lic. 01227233. 02-11 free rent — Fully equipped, 4 ops, Dentrix software, Arden area, great for starting new practice. Former location of 35 year practice. Contact Douglas Yee (916) 801-1707.

05-11

dentists serving dentists — Western Practice Sales invites you to visit our website, westernpracticesales. com to view all of our practices for sale and to see why we are the broker of choice throughout Northern California.

(800) 641-4179.

03-09 gorgeous, state-of-the-art multi-specialty practice in the greater Sacramento region. All digital, paperless office. Current production: $60-$80,000/mo.

Price: $425,000. 5 operatories. 2,400 sq ft. Respond to: info@myniceteeth.com.

08/09-C1

brand new build-to-suit office. For rent, 1500–2400 sq ft. Between two well-established GP offices, great for specialists. Located Arden Park Area (916) 920-1170. 08/09-C1 dental office. 1355 Florin medical-dental building. 850 sf, 3 operatories, $1,200 monthly. Includes all utilities and janitor.

Ample parking. (916) 730-4494.

06/07-11 operatory space to share in Roseville. Contact Dr. Alan Pan at (916) 781-6688 to discuss details if interested. 06/07-11 Laboratory space for rent. Some equipment available for use. Can accommodate two person crown and bridge lab / high quality work. Call 786 6676 for appointment to see space.

08/09-11

looking for a p/t periodontist / oral surgeon for our state-of-the-art general practice in Roseville, Rocklin, Lincoln area. Call (916) 705-0211 smile_dentist@yahoo.com. 06/07-11

carmichael dental office near madison & dewey.

1093 sf; 3 dental chairs, x-ray, more. Great for new or established dentist. Call Sue for more info or to see: (916) 638-3890. 08/09-11

Exciting Opportunity for Endodontist — Advanced practice with beautiful, new high tech office in foothills of Jackson, California looking for an endodontist to work one day per week, developing into a full time practice with great potential. Please fax resume to (209) 223-2719.

06/07-11

building or remodeling your dental office?

Tilcon Builders will work with you through ALL PHASES of your project. Owner / Operator Jeff Tillford is available for consultation and estimates (916) 258-5538.

08/09-11

SDDS member dentists can place classified ads for free! www.sdds.org

PEDODONTIST OR GENERAL W PEDO EXP (Sacramento/ Elk Grove) — Two positions available at expanding pedo practices. A perfect combination of four doctors on maternity and a GROWING practice leaves us with LOTS of patients for a new doctor or two. Well respected, state of the art practice with an amazing team and completely non-traumatic approach. No pressure to produce! Quality care and relationships come first. Email CV to dboyes@ kidscaredentalgroup.com.

08/09-C1

Cendres & Metaux (swiss) precision micro milling machine — electric hand piece motor, foot pedal activated, drill press, paralleling, great for cutting precision attachments and milling bars. Magnetic working table and angulation accessories. $450. CONTACT DR. PAUL BINON (916) 786-6676 OR Email: binondds@yahoo.com. 08/09-C1 Denture curing / boil out tank. Stain steel cabinet 37 ½ tall, 24x19 top, with 11”x15 ¾ SS well. Gas operated /auto pilot, temp control. Light Tan color, stainless top. $300. CONTACT DR. PAUL BINON (916) 786-6676 OR Email: binondds@yahoo.com.

08/09-11 Vaniman Voyager under the counter unit suction, can be set up for one or two stations. 14”x 10” 12” high. In excellent condition — $350. CONTACT DR. PAUL BINON (916) 7866676 OR Email: binondds@yahoo.com.

08/09-11 Tri Dynamic “The Centrifuge” by Dental Co. for centrifuging epoxy dies and models for veneers and crowns.

Originally used with Ivoclar epoxy resin die material for optimal working models. Can be used with other materials as well. — $75. CONTACT DR. PAUL BINON (916) 786-6676 OR Email: binondds@yahoo.com.

08/09-11 times two rotating file cabinet. Tan, great condition, 92.5″H 67.5″W 25″D. Disassembled, $999 OBO. Contact for details; Craig Johnson at dinsdale26@comcast.net. 08/09-C1

Locum Tenens — I am an experienced dentist, UOP graduate and I will temporarily maintain and grow your practice if you are ill / maternity leave or on extended vacation.

(530) 644-3438.

04-10 Locum Tenens — Loma Linda grad, 1980. Temporary dentist for emergencies, vacations and maternity leaves.

(530) 823-0502.

02-11

Selling your practice? Need an associate? Have office space to lease? Place a classified ad in the Nugget and see the results! SDDS member dentists get one complimentary, professionally related classified ad per year (30 word maximum; additional words are billed at $.50 per word). Rates for non-members are $45 for the first 30 words and $.60 per word after that. Add color to your ad for just $10! For more information on placing a classified ad, please call the SDDS office (916) 446-1227.

Deadlines are the first of the month before the issue in which you’d like to run.

August/September 2011 | 35

PRSRT STD

915 28th Street Sacramento, CA 95816 916.446.1211 www.sdds.org

US POSTAGE PAID PERMIT NO. 557 SACRAMENTO, CA

Address service requested

sdds calendar of events August

5 Executive Committee Meeting

7:00am / Del Paso Country Club 6

11

19

CPR BLS Renewal Sutter General Hospital 8:30am–12:30pm Peer Review Committee 6:30pm Peer Review Chair Calibration 9:00am / CDA Office

September 6

8

Board of Directors Meeting 6:00pm / SDDS Office Peer Review Committee 6:30pm

9

12

13

14

15–17

Continuing Education Lasers & Minimally Invasive Dentistry Douglas Young, DDS, MS, MBA Sacramento Hilton — Arden West 2200 Harvard Street, Sacramento 8:30am–1:30pm Foundation Board Meeting 6:00pm / SDDS Office Dental Health Committee 6:30pm / SDDS Office General Membership Meeting Treating Trauma Without Drama Kenneth Tittle, DDS, MS New Member Night Sacramento Hilton — Arden West 2200 Harvard Street, Sacramento 6:00pm Social 7:00pm Dinner & Program Forensics Committee 6:00pm / CA-EMA Board of Directors Retreat Carmel, CA

Mardi Gras Midwinter

earn

2

ce units!

6pm: Social & Table Clinics 7pm: Dinner & Program Sacramento Hilton, Arden West (2200 Harvard Street, Sac)

September 13, 2011:

Treating Trauma Without Drama

You asked for this!

Nugget Survey 2009

20 Member Forum

HR Audio Conference

Alternative Work Week, Wage & Hour Issues

Noon–1:00pm

CE Committee

6:00pm / SDDS Office

Membership Committee

6:00pm / SDDS Office 22–24 CDA Presents

San Francisco, CA 27 Nugget Editorial Committee

6:15pm / SDDS Office 28 Ethics Committee

6:00pm / SDDS Office

For more calendar info, visit

www.sdds.org

February 9 & 10, 2012

Sacramento Convention Center (1400 J St, Sacramento)

Presented by: Kenneth Tittle, DDS, MS

Course Objectives: • Learn about the consequences of various injuries and their respective prognoses both short and long term • Will have the information required to manage dental trauma with a systematic approach that incorporates all fields of dentistry September General Membership Meeting: New Member Night