As a dental hygienist, you play an important role in ensuring good oral health for your patients, and in delivering high-quality dental care. In return, you earn between $31,000 and $83,000 per year.
Why Does a Dental Hygienist Need Disability Insurance
Although you may think you’re protected by your worker’s compensation, it will only cover injuries and accidents in your workplace. Your auto insurance and health insurance will only cover medical and doctor’s bills, surgeries, medication, rehabilitation and similar costs in case you become disabled. But none of these will replace your lost income to ensure when your disabled, and that’s what you will need to meet your regular financial obligations.
As a dental hygienist, you could be earning from $31,000 to $83,000 a year. From that amount, you have to pay for a wide range of expenses. You have a mortgage payment or rent every month. You have at least one car payment, but more likely two. You have school loan payments to make, and more. What would occur if you were not able to work? If you lose this income, it would put significant strain on your budget, and it’s rare that anyone can meet their financial obligations without their monthly income.
In this case, your dental hygienist disability insurance can lessen the financial loss while you’re not able to work. The dental disability insurance company will pay you the monthly benefits as specified in the policy, so you have to take the time to choose the most suitable disability insurance for your needs and budget.
What Is A Dental Hygienist Insurance?
As the name suggests, disability insurance for registered dental hygienists is a specialized form of insurance plan that is exclusively designed for dental hygienists, in case they become disabled due to a road accident, disease, etc. In such event, when the professional dental hygienist is unable to work, a dental hygienist disability insurance will offer income replacement benefits which will cover a large portion of the total income lost during the period of the disability.
As a dental hygienist, you rely widely on your physical abilities and dexterity to treat patients and generate income, making disability insurance a very important partner to deal with the financial consequences of being unable to work. Disability insurance for registered dental hygienists provides the required mental peace knowing that your and your family’s financial freedom is completely secured, even when you are unable to work due to a physical or mental disability.
The Chance of Being Disabled
Too many people think that disability is just a physical injury, which is not the case. For instance, the leading cause of disability in the United States is not a physical injury, but medical conditions like heart disease, cancer, arthritis, and diabetes as well. Sadly, these conditions are no respecters of person, and they can strike anyone, at any time, in any stage of life. Dental hygienist disability insurance can help you make it through your disability while ensuring you have the means to meet financial obligations.
How Can We Help?
When you come to us for help with disability insurance for registered dental hygienist, we go to work on your behalf immediately. We have years of experience in this area and skilled professionals working tirelessly, so we can quickly help you find the coverage you need to ensure your financial stability and peace of mind. Our team of professionals consists of highly skilled and trained experts, having impressive backgrounds in the insurance industry so you know that you are only going to get the best when you consult us for dental hygienist disability insurance.
With us, you can:
- Review rates from some of the leading providers of dental hygienist disability insurance
- Get quotes from all major insurers in the US that currently offer dental hygienist in your specific geographic area.
- Learn more about your options for disability insurance for registered dental hygienist and how it can benefit you.
How much coverage do you need?
The first step to finding out how much coverage you will need is to determine the minimum amount necessary for your living expenses monthly. Afterward, add the other sources of your monthly income without your salary such as an employer’s group disability insurance, your savings, etc.
The coverage of your disability insurance policy should be close to the difference between your monthly expenses and your expected income. It’s the amount that should be replaced by the monthly benefit from your dental hygienist disability insurance.
Dental Hygienist Disability Insurance Policy Details
Of course, finding the right disability insurance is not as simple as it sounds. You need to make an informed comparison of the insurers available to you, their insurance products, disability definitions, and more. We can help you do that. Our goal is to ensure that you’re able to make the best choice possible when it comes to purchasing disability insurance.
Buy a Disability Insurance Policy While You’re Young
Disability is not something we regularly think about, especially young professionals. There are more enjoyable things to spend money on and many are reluctant to buy a disability insurance policy. However, we have to be aware that an illness or injury can happen to anyone at any time, so we have to be prepared for it.
Plus, getting disability insurance when you’re young means that you will be paying a lower premium than the one you would pay at age 35 or older. This is mainly because disability insurance policies are priced based on the risk of you filing an insurance claim and age comes with an increased risk of illness, injury or a similar disability. And the higher your risk for filing a claim, the more you’ll pay.
The Chance of Being Injured
If you think that you’re not at risk of being injured because you’re not in a high-risk industry for injuries, think twice. Disabilities like cancer, heart disease, and other illnesses are actually responsible for most long-term disability cases in both men and women. In fact, if you are age 40 or older, your chances of experiencing a disability prior to age 65 that lasts three months or greater are 21%. That’s just a one in five chance – high odds to be gambling on with your life and your family’s financial stability. Considering these risks, exploring disability insurance for registered dental hygienist becomes crucial for safeguarding your well-being and financial security.
Why Choose Us
We want to ensure you have the financial stability you need which is why we work with insurers across the nation to give you the protection you deserve. When you work with us:
- You’ll be able to review rates from the leading providers of individual disability insurance to make an informed comparison and a sound decision.
- We quote all the major disability insurance carriers, so you’ll have many quotes to compare to ensure that you’re getting the best possible coverage, at a rate that’s right for you.
- We’ll help you learn more about the options available to protect your dental hygienist’s income to ensure that you get the peace of mind and financial stability that you deserve.
It requires time and effort to study and compare the various dental hygienist disability insurance policies offered by various insurance companies.
Let us help you find disability insurance information, coverage and rates that fit into your overall financial plan. Give Jeff Pennington a call at 1-877-221-6198 or use the form on the right to request a quote, get answers to your questions, and find the right policy.
