Benefits & Cost
Group policies may not be the best option for dentists. Often times, the benefit period is not to age 65 and/or the policy has a lower cap on the monthly benefit you can get. The policy cost will also increase as you age for the same amount of monthly benefit. This makes the policy's price hard to accept and can lead people to cancelling their policy when they are older even though this is the time that they need it most.
Consistency & Longevity
You cannot take a group policy with you when you leave the employer. If your next employer does not have a group plan, it may be hard to get your own personal policy. The older you are when you apply, the more extensive your medical history may be which can make it hard to even qualify. There may be added exclusions to the policy exposing you to risks where your coverage may not apply.