Disability Insurance 101 for Residents

Disability Insurance 101 for Residents Why After Match Is the Best Time to Sign Up?

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Disability Insurance 101 for Residents
Why After Match Is the Best Time to Sign Up

Disability Insurance 101 for Residents
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I hope you enjoy reading this blog post.

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At this point in your life, you’re familiar with the importance of having health, car, and homeowners’ insurance. As you enter residency, you also need to think about protecting your most important and hardest-won asset—your ability to earn income to support yourself and your family.
As a disabled physician who sustained a career-ending injury during a difficult patient delivery, I’ve learned a lot about disability insurance the hard way. One little-known but key lesson: Right before residency is perhaps the best time in your life to get an individual disability insurance policy. You have some free time now, before life as a resident takes over. Here’s what you need to know before you talk to an insurance broker.

Why is After Match the Best Time to Buy Disability Insurance?

Residents typically qualify for “starter package” policies, offered by insurers at a significant discount. These discounts are only available before or during residency, and the rate lasts throughout your career. This means you can save thousands of dollars over the life of your policy.

If you wait until later to apply for individual disability insurance, your age, health, and other factors will likely increase the cost or limit the coverage of your policy. The younger and healthier you are when you apply, the lower your cost. My advice: Lock in a quality policy at a discounted rate today. That way you’ll get the most coverage for the best rate, and you won’t have to worry about it in the future.

A note to people who plan to get pregnant: If you can, I encourage you to get coverage before the first time you try to get pregnant, as insurance companies tend to look for any reason not to cover future pregnancies.

What Is Disability Insurance?

Disability insurance is income protection. It covers a portion of your income if you can no longer work due to a long-term illness, a debilitating injury, or cognitive challenges. Once coverage is triggered by a health event, you receive a specific amount of money every month. 

Why Do Residents Need Disability Insurance?

As physicians, we are constantly taking care of others and we need all of our faculties to do so. Disability insurance exists so that we can take care of ourselves and our families. In the event that you, like me, could no longer practice the profession you were educated and trained for, disability insurance would help you continue your standard of living with as little financial disruption as possible.

What Are the Types of Disability Insurance Policies?

There are two main types of disability insurance you need to know as a resident: group long-term, and private individual.
Group Long-Term Disability Insurance is typically paid by your employer and covers a percentage of your base salary for as long as you remain in your position. These types of policies typically have significant limitations on what they cover and have inferior language. Most are not portable, so you cannot take the benefits with you to your next job. If your employer pays for the policy, the benefit comes to you as taxable income, which reduces your monthly benefit income. Overall, while a long-term group benefit is nice to have, you should not rely on it as your sole means of income protection. It is always a good idea to have a knowledgeable broker review your group insurance policy to address any gaps.

Private Individual Disability Insurance offers the most comprehensive coverage with the strongest language. Because this policy is obtained by and paid for by you, it stays with you throughout your career. A private policy is specifically tailored to your unique needs and can take into account all sources of income. Because you pay for this plan with post-tax dollars, the policy’s benefit is tax-free. The riders, or building blocks of the policy, create the total package tailored to your needs. See below for details.

How Much Does Disability Insurance Cost?

Men can expect to spend about 1 to 3 percent of their gross income on a quality disability insurance policy, whereas women should expect to pay about 2 to 6 percent. The reason women pay more is because they tend to leave the workforce because of illness or injury more often than men. Keep in mind that rates are less expensive across the board for residents due to the available discounts.

Secure your future with tailored Disability Insurance for Residents!

Key Disability Insurance Terms and Riders

Riders are the building blocks of your policy. Their details are vitally important because they determine exactly what you are covered for. You must understand what they are to make sure your disability insurance meets your specific needs.

Just as in medicine, the disability insurance industry has a lot of confusing jargon. The most important thing to know is that there is no standardization of language in insurance. Carriers may define the same term in different ways, or different terms similarly. You are not necessarily comparing apples to apples when you shop for policies from different carriers. In addition, the industry is constantly changing. For these reasons, it is best to speak to a knowledgeable broker to confirm the details of your policy before you buy.

Below are eight key disability insurance definitions to know:

1. Own Occupation/Specialty Specific: This is the most important piece of the policy. There are several terms used to mean your “own occupation.” Some carriers have it built in, whereas others will make you add it as a rider. This language means if you cannot perform what you were specifically educated and trained to perform, you qualify as disabled and are therefore entitled to receive benefits regardless of whether you are employed in another occupation.

2. Future Purchase Option: This rider is an absolute must for young practitioners to protect their future earning potential. It allows you to increase your coverage as your salary increases or you change jobs with different benefits without having to undergo additional medical underwriting. This rider also goes by many different terms.

3. Residual or Partial Disability: This benefit provides for circumstances that cause you to work part-time because of injury or illness. When you have lost a certain percentage of your income, time, or duties (depending on your policy), a benefit will be triggered. Each year, more partial disability claims are filed and paid than total disability claims.

4. Cost of Living Adjustment: This rider, also known as the COLA rider, helps offset the risk of inflation. On the anniversary of your claim, the carrier increases your monthly benefit based on the language in your policy. The COLA can have simple or compound interest moving forward. Benefits range from up to 3 to 6 percent of the monthly benefit. Some carriers have a fixed percentage increase, while others are tied to the Consumer Price Index and therefore have a range.

5. Catastrophic Injury Rider: This rider (also known as the CAT rider) offers extra protection—in addition to a standard monthly benefit—from the financial impact of a more serious injury or illness. For most individual policies, if you are unable to perform two or more of your activities of daily living or are severely cognitively impaired, you would qualify for an additional benefit.

6. Non-Cancellable, Guaranteed Renewable: This means that the insurance carrier cannot cancel, increase the premiums, or add restrictions to your policy once they have made an offer and you pay the premiums. Even if they stop offering the type of policy you own, as long as you continue to pay your premiums you will receive the same coverage.

7. Benefit Period: This is the length of time that your claim would be paid. Carriers typically offer options that will pay out until the insured turns 65 to 70 years of age.

8. Elimination/Waiting Period: This is the time between something happening to you and you getting paid. The most common length is 90 days; however, there are shorter and longer options available.

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Protect Your Future Physician Self Now

Because you can get the best value for the most comprehensive coverage, I believe that before or during residency is the best time to sign up for disability insurance.

Now that you are familiar with the basics of disability insurance for residents, you can ask informed questions to fully understand your policy options. So why not talk to a broker and get your policy in place today? Your future self will thank you. Start HERE.

By Stephanie Pearson, MD

Stephanie Pearson, MD, FACOG, is the co-founder and CEO of PearsonRavitz. After her career-ending injury as a practicing OB/GYN, she was no longer able to deliver babies or operate. Stephanie’s mission is to educate her fellow physicians on disability insurance so that they don’t make the same mistakes she did.

Dr. Pearson ensures the validity and precision of all information provided in this blog.

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The Guide to Writing a Curriculum Vitae (CV) for Medical Professionals

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The Guide to Writing a Curriculum Vitae (CV) for Medical Professionals

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I hope you enjoy reading this blog post.

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Hi everyone! This blog will discuss how to draft a professional Curriculum Vitae (CV) for medical professionals. Your CV is an essential document for applying to jobs, research positions, clinical rotations, and the Residency/Fellowship Match process. Here is your one-stop destination for drafting the perfect CV!

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What is the difference between a CV and a resume? What is a CV?

The primary difference between a CV and a resume lies in their purpose, length, and content. A CV is a detailed document showcasing your academic and professional accomplishments, often used in academic or research settings. In contrast, a resume is a concise summary of your relevant skills and experiences, tailored for specific job applications in various industries.

General tips when drafting a CV!

  • A CV is a document meant to be circulated among professional circles. Therefore, ensure it is written formally without spelling and grammatical errors.
  • Be concise and include the highlights in your career path. Use reverse chronological order (recent ones first) while enlisting points under a topic. Update your CV regularly, especially after a significant event. Use 3-5 bullet points when describing your different experiences.
  • What font should I use for my CV?

    Simple font styles like Times New Roman, Arial, Calibri, or Helvetica are commonly used. The font size is variable, but a size 12 black color is ideal for printing a document. There is no right or wrong when drafting your CV, so your goal is to ensure easy readability.

  • Maintaining consistency is crucial. For instance, if you opt for a size 14 font for headings and size 12 for body text, ensure this is applied uniformly across your CV. Similarly, if you display dates on the right side and experience titles on the left, continue this format for all listed experiences. This principle extends to spacing and text alignment, guaranteeing a cohesive and professional appearance.
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What are the common sections of a CV for medical professionals?

  1. Personal Information
  2. Education
  3. USMLE Scores
  4. Honors and Awards
  5. Professional Memberships
  6. Leadership Experience
  7. Clinical Experience
  8. Research Experience
  9. Editorial Activities
  10. Publications
  11. Oral Presentations
  12. Poster Presentations
  13. Certification/ Licensure
  14. Educational Courses
  15. Community Service/ Volunteering
  16. Work Experience
  17. Languages
  18. Hobbies and Interests
  19. References

Remember that not all CVs must have all these sections. Your CV should be adjusted based on your experiences. For example, some medical professionals might want to show their USMLE scores while others do not.

Moreover, the order of these sections can change based on what you are trying to highlight. For example, if you are applying for a research position, the sections about research can come up higher compared to when applying for a clinical job.

And now, we will go over the details of each of these sections. If you need help editing your CV, make sure to check out our CV editing services here.

Personal Information

Name: Mention your full name, followed by your medical degree. 

Address: Add an address where you can be contacted, although it is unlikely for someone to send you correspondence by mail.

Mobile phone: Include a valid phone number with an extension for international callers.

Email address: Consider making a professional email address for communication.

It is unnecessary to mention your date of birth, your parents’ name, religion, and sex in your CV.

Personal Information Example

Name: Roy Bennet, M.D.

Address: 1234 10th Avenue,

            New York City, NY, USA, 10068

Phone: +1 (918) 444-4444

Email address: royben@xyz.com


Name of Medical School: Full name, no abbreviations.

Country: Even if your medical school is popular in your region, physicians from other counties may not be aware of it. It would benefit the reader if the school’s location were mentioned. Also, as some U.S. medical schools have branches in other countries, it is essential to note the country in this case.

Duration: Mention the timeframe during which you studied/are studying here.

There are different formats you can use to structure your CV. For example, you can place the date on the right or the left side as shown in the example below. But make sure to stay consistent. If you use the right side, keep using that throughout the CV.

Education Example

Mayo Clinic Medical School, Florida, U.S.A.                                  03/2015 – 03/2019

03/2015 – 03/2019      Mayo Clinic Medical School, Florida, U.S.A.

                              Doctor of Medicine Diploma, conferred March 2019

USMLE Scores

For those pursuing the US residency journey, it is crucial to add your USMLE scores as they are an important factor in your application. Mention your USMLE scores and the exam date, as this serves as objective criteria while assessing applicants. In addition, although many institutes and physicians perform a holistic CV review, USMLE scores may be required for official purposes. If you are not pursuing a residency in the US, you can put the equivalent exam in the country you are applying to. You can add your GPA under your medical school section if you use your CV for internal purposes (e.g., getting a rotation in another hospital in your home country). Some students choose not to include/disclose their USMLE scores (unless asked) if they did not score well.

USMLE Scores Example

USMLE Step 1 – PASS                                  June 30, 2021

USMLE Step 2 CK – 247                               February 12, 2022

USMLE Step 3 – 230                                   September 18, 2022

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Honors and Awards

Include medical school-related accolades, from ranking first in your university exam to an award-winning research publication here. Research grants, scholarships, and quizzes won can also be mentioned here.

Honors and Awards Example

First place – Oral presentation on “The impact of Vitamin-D on Heart Disease”; American College of Physicians conference on November 18, 2022. Awarded best paper among 50 participants.

First rank in Internal Medicine at Boston University in January 2021, awarded for scoring the highest in the subject among a class of 150 students.

First Runner up – Undergraduate Quiz by Society of Obstetrics and Gynecology on March 28, 2019. A State-level quiz on General Obstetrics and Gynecology participated by 30 teams from various universities.

Professional Memberships

You can join organizations in your field of interest, like the American College of Cardiology and the American Heart Association for Cardiology Enthusiasts. This would hint to the reader of your interest in the specialty. These institutions are usually research-oriented and conduct local, national, and international conferences and meetings. While some require a fee to become a member, others waive this fee for students and residents. Helping organize a conference and actively participating in its activities would be more beneficial than just being a member.

Professional Memberships Example

American College of Cardiology (ACC)                               03/2015 – 03/2019

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Clinical Experience

Clinical experiences are of paramount importance if you are applying for residency. Start with the type of rotation followed by the name and location of the hospital. Dates and the specialty are important to add clarity. Additionally, provide a brief description to help the reader understand your experience and responsibilities during the rotation. You can also choose to add your mentor in the description section. 

Clinical Experience Example 1

Internal Medicine Sub-internship                               

 January 1, 2022- January 30, 2022

Massachusetts General Hospital, Boston, MA, US

Preceptors: Dr. Brown Smith and Dr. Robert Allison

  • Functioned as a sub-intern for four weeks in the Department of Internal Medicine at a tertiary-care academic institution.
  • Recorded patient history and performed a physical examination, ordered labs, charted the patient progress note in the EMR, and followed up on patients.
  • Participated in didactics, case discussions, group presentations, and grand rounds.
  • Volunteered during COVID-19 staff shortages in the ICU, ER, and floors.

Need more Clinical Experience Examples?

Research Experience

Research experience describes your learning during your research elective/fellowship. This could include time spent during medical school doing research or a research elective/fellowship. It is imperative to mention the time frame, the title of your research position, and the institute. Briefly describe your roles and responsibilities and the type of research you performed to help the reader understand your contribution to the team. It would be favorable to mention your research mentor/ Principal Investigator (PI) in this section. Do not list every publication you have under this section. Your research publications will come under a separate section later. Here, you can discuss your primary research interests and the field of study.

Research Experience Example 1

Research Associate, Mayo Clinic, Rochester, MN                           03/2021 – 03/2022

Division of Pulmonary and Critical Care

Mentor: Dr. Tim Chase

  • Conducted research on the clinical outcomes and management strategies for patients with acute respiratory distress syndrome, sepsis, and other critical pulmonary conditions.
  • Responsible for study design, literature review, Institutional Review Board (IRB) submission, data collection, statistical analysis, and manuscript development.
  • Mentored and provided guidance to fellow medical students and research associates involved in pulmonary critical care research projects.
  • Presented research findings at departmental meetings and national conferences.

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Editorial Activities

Some researchers might have served as an editor or a reviewer for journals. It is beneficial to mention this as it demonstrates commitment and proficiency in the field of interest.

Editorial Activities Example

Reviewer – International Journal of Surgery                                      03/2015 – 03/2019


Publications are the final result of your research. Therefore, they are of vital importance primarily when published in esteemed journals. They can be categorized under peer-reviewed publications, submitted and in-press articles. In addition, published abstracts, communications, and case reports can also be mentioned here. Highlight/bold your name to stand out among the other authors. The order commonly followed per AMA style is Authors, Title, Journal, Date, Issue, Volume, and Page. Author names are written as follows: Last name, First letter of the first name, and the first letter of the middle name.

Publications Example

Asaad M., Van Handel A., Akhavan A.A., Huang T.C.T., Rajesh A., Allen M.A., Shen K.R., Sharaf B., Moran S.L. Muscle Flap Transposition for the Management of Intrathoracic Fistulas. Plast Reconstr Surg. 2020 Apr; 145(4):829e-838e

Oral/ Poster presentations

This is differentiated from the publication section to highlight presentations at various forums, like conferences and meetings. However, the abstracts published in these conferences are included under the publications section. Define whether the work presented during the conference is an oral or a poster presentation. Mention the conferences where you presented, not those you only attended. Just attending a conference should not be included in your CV.

Oral Presentations Example

Asaad M., Houdek MT. Huang TTC, Rose PS, Moran SL (January 2020). Fibula and Rib Grafts in Complex Spinal Reconstruction: A Medium Term Analysis of Union Times and Hardware Failure Using Each Technique. American Society for Reconstructive Microsurgery; Lauderdale, Florida

Certification/ Licensure

Medical licensure from your home country and professional certification courses like BLS, ACLS, and PALS are described in this section. Mention the expiration date of these if applicable.

Certification/ Licensure Example

A.H.A. certified Advanced Cardiac Life Support (ACLS) provider, June 2021- May 2023

Educational Courses

As medicine is an evolving field, you may have taken courses to keep up with the new developments. When you describe the course, include the date, type of course, location, credits if applicable, a brief description, and whether it was online or in-person.

Educational Courses Example

Type 2 Diabetes Management                                                            March 2021

  • An online course by Stanford Medicine with 1.25 AMA PRA Category 1 CreditTM
  • This course is designed to teach practical skills about diabetes care, treatment, and the latest research in the field

Community Service/ Volunteering

Community service is essential for a physician to give back to their society. In addition, volunteering can boost your CV and give you an edge over other competitive candidates. Elaborate on your volunteering experience under the organization’s name, location, duration of the experience, and your roles and responsibilities. Long-term associations with these organizations trump over a one-day event. Hence, focus on building lasting relationships demonstrating your commitment to the cause.

Your volunteering experiences aligning with your CV, personal statement, and overall application will be beneficial. For example, a candidate who is passionate about medical education who has completed multiple certifications, organized numerous teaching sessions, and is focused on the cause will shine through compared to an applicant with unrelated volunteering experiences.

Community Service/ Volunteering Example

Bolivian Red Cross – La Paz, Bolivia                               March 2021 – March 2022

  • Organized blood donation camps in rural Bolivia.
  • Conducted educational workshops to raise public awareness about the importance of blood donation.
  • Trained new volunteers to effectively communicate with and guide potential donors throughout the donation process, ensuring a positive experience.
  • Conducted follow-up surveys with donors to assess satisfaction and identify areas for improvement.
  • Fostered partnerships with community organizations, schools, and businesses to expand the reach and impact of blood donation campaigns

Work Experience

Work experience can include internships in your home country, medical or non-medical jobs, and freelance work. Mention the duration, type of work, location, and role, accompanied by a brief description.

Work Experience Example

Healthcare Startup Consulting                                       May 1, 2021, to August 30, 2022

Ottawa, Canada

  • Assisted early-stage healthcare startups in defining their value proposition and refining their business models.
  • Conducted comprehensive market research and competitive analysis, identifying key opportunities for clients to differentiate themselves in the healthcare landscape.
  • Collaborated with multidisciplinary teams, including engineers, designers, and business professionals, to transform ideas into viable healthcare solutions.
  • Facilitated connections between startups and potential investors, paving the way for further growth and development.
  • Organized and led educational workshops for aspiring healthcare entrepreneurs, sharing insights into industry trends, best practices, and success factors.
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Language fluency is a crucial skill for a physician to possess. The more languages you speak, the easier it will be to interact with patients from different cultures. Describe your proficiency as a Native speaker, Full professional, Limited working, or basic/ elementary.

Languages Example

  • Hindi: Native speaker
  • English: Fluent, both written and spoken
  • Spanish – Advanced proficiency, conversational and written
  • French: Intermediate level, conversational skills

Hobbies and Interests

Hobbies outside of medicine reveal a well-rounded personality. Describe your hobbies and the achievements related to them. Your interests are an icebreaker during interviews and form a common discussion point.

Hobbies and Interests Example

  • Tennis – Represented the state and medical school in various national tournaments.
  • Gardening: Enthusiastic gardener with a diverse collection of succulents, ornamentals, flowering, and fruit-bearing plants. Awarded first prize at a local gardening competition for unique plant arrangement.
  • Athletic Activities: Enjoy running, swimming, and hiking in nature. Received a first-place award in a local 10K race and completed a half-marathon.
  • Guitar: Passionate about playing acoustic and electric guitar across various genres. Won the regional amateur guitar competition in 2020.
  • Adventurous Travel: Love to immerse in new cultures and landscapes through backpacking trips. Awarded a grant for a cultural exchange program in 2019.
  • Culinary Exploration: Delighted by cooking and tasting diverse cuisines from around the world. Secured second place in a community cook-off event.
  • Intellectual Curiosity: Engaged in continuous learning in fields such as philosophy, anthropology, and artificial intelligence



References are contacts who you have worked with closely in the past and will be able to vouch for you. Although some recommend including two to three references in the CV, others prefer to not include references and support their application with letters of recommendation when requested.

However, make sure to take permission from your contacts before including them as references in your CV.

Example of a reference

Dr. Gregory Smith

Professor and Chief of General Surgery,

John H. Stroger, Jr. Hospital of Cook County

Chicago, Illinois, USA

M: +1 (xxx) xxx- xxxx

Email: drghall@xyz.com

I hope this blog helps you draft an excellent CV for your professional use. Good luck everyone! Don’t forget to get your FREE CV template here !

By Dr.Vikyath Satish & Dr. Malke Asaad

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How to become a Dentist in the U.S. as a foreign graduate | Getting into U.S. Dental School?

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How to become a Dentist in the U.S. as a foreign graduate | Getting into U.S. Dental School?

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How to become a dentist in the U.S. as a foreign? many high schoolers and undergrads see their family dentists as superheroes who went through a rough and heavy road that is hard to follow and comprehend, in this blog we’ll discuss how can you become a dentist, and if you are one now how can you match into different residency programs?

1. Dental school pathway for US graduates:

  • After finishing high school students should finish a four years undergrad program to obtain a bachelor’s degree in (biochemistry, neuroscience, or any other scientifical field).
  • And before applying to dental school students should also take the DAT (dental admission test) as it’s a required step for every applicant, students send all their documents to different dentistry schools and wait for their interview.
  • Generally speaking, dental school is also a four years program making the road to becoming a dentist between 8 to 9 years in total (4 undergrad years & 4 dental school years).
  • Students may also consider doing residency which would add 2 to 6 more years varies upon the specialty, making you a board-certified specialist.

2. Dental school pathways for international graduates:

For international graduates, there are many routes to consider but all of them require being a foreign dental school graduate, you can either:

1-Go directly into residency: Which has many disadvantages such as having a limited license to work in only certain states after finishing the program years, also some programs require you to be a US dental school graduate having (DDS or DMD), in addition to being highly competitive due to limited spots for both US and international graduates.

2-or you can go to dental school first which has two main routes which are:

A) Advanced standing route: This route is basically repeating the last two years of dental school in one of the 40 dental schools in the US that provides this route, and you graduate as a general dentist who did his dental school in the US dental schools, and if you want you can pursue doing a residency.

Where to apply for the advanced standing route?

  • You apply using CAPID, it’s a directory that contains 40 different dental schools that offer this program, at this directory you can find a summary of what each program is looking for in your application to make things easier for you.
  • The fees when applying for different dental schools range from (190$ – 400$) per application.
  • The cycle for advanced standing opens every March and it lasts from March till February.

But what are the advantages of this route?

  • It allows you to practice dentistry in all 50 states.
  • It makes you more familiar with the US system, and gives some tips and tricks to get into residency in the US.
  • And it also builds you a strong foundation as you graduate from this program with a DDS degree like any other US dental school graduate.

So, what are the disadvantages then?

  • Wasting some time by going back to dental school for two years.
  • Paying extra money, as dental school is very expensive you should consider that expenses may go up to 300K for those two years only.

B) Professional program for international dentists’ route.

3.Students' loans and how to apply for them?

Applying for students’ loans also falls under the circumstance of being a green card holder or not; if you’re a green card holder you can apply for federal loans and if not, you can apply for private students’ loans.

  • Federal loans:

Applying for these loans is only limited to US citizens and green card holders, it has a low annual interest rate of 5% – 6% in comparison to private students’ loans.

  • Private Students’ loans:

The main issue with private students’ loans is that you need an American co-signer (a green card holder or a US citizen) to sign off on your loan application, in case something bad happens and you couldn’t pay your loan he is legally liable to pay the debt for you. Another issue is having a high annual interest rate up to (11.5% – 13%). However, it’s a very good investment in the long run as this is your future career and you can pay back your loan in 3-5 years later after graduating.

4. Applying for the dental Residency programs:

There’s no such thing as impossible, when you apply for residency you apply through a program called PASS, but as we mentioned earlier as an international dental school graduate you can directly apply for only limited residency programs, as mainly most of the programs request being a US dental school graduate (through one of the routes we’ve mentioned above) and even though, it’s highly competitive as you’re competing with the top students in the field for limited seats in limited programs.


There are about 20 different residency programs but not all of them are CODA-accredited (Commission on Dental Accreditation), and when applying for residency you should always apply for the ones that are CODA-accredited, as when you finish that program you become a Board-certified specialist which is a huge advantage in your career.  

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5.What are the dental Match application requirements?

The INBD exam:

The Integrated National Board Dental Examination (INBDE), used to be two exams but now, it’s one exam as it’s the key to which you may pass and get into residency or continue with the advanced standing route.

It’s an exam that tests the main information you should have as a general dentist, it’s available at least twice each month but unfortunately, it’s only available in the U.S. which may be a huge setback as you need to obtain a VISA to take the exam.

High Tofel score:

Most of the schools suggest having more than 85, but technically speaking for your application to stand out you should aim for 105 and above out of 120.

ECE report:

It’s an online agency in which you send in your transcript and diploma, and they give you an equivalent to your studies in the U.S. GPA system. It’s a mandatory step for applying for both INBDE and residency applications. 

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6.What is the importance of having US dental experience?

Having US dental experience is something that would make your application stand out! But it’s not a mandatory step to get into residency.


You can get these chances by applying to the programs’ websites.

7. Does research play any role in the Match process?

Research is another step that would also highlight your application among others, having many published research papers is a huge advantage, but even if your paper isn’t published yet you shouldn’t be discouraged to mention it in your application, having the will and the ability to do research is the main strength that programs would focus on.

8. Why going to the US?

If you want to be the best you should always look for the best, most of the programs in the US are tier one programs and they offer the best dental training for dental students around the world, as when you finish your training you become a Board-certified dentist which allows you to work in any country without doing any equivalency tests or training.

By Hasan Najjar
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