As a dental hygienist, helping your clients maintain a healthy dental profile is your primary job. When somebody walks out of your office with a beautiful smile, you can feel a sense of pride that comes along with knowing you have helped that patient in a meaningful way. You need to protect your income and assets with the correct Disability Insurance for Dental Hygienists.
Dental Hygienist need disability insurance because they work so closely with their patients and staff members which increases their risk of sickness and injury. Your profession is very stressful on your body and being exposed to fluids you can easily become ill. There are several new options and discounts available for employed or independent contractor Dental Hygienists.
Working as a dental hygienist is a challenging and demanding job, of course, but it is a rewarding one, as well. While you get to help other people, is anyone available to help you? Specifically, if you become injured and cannot work, will anyone take care of your needs? To make sure you have protection, consider disability insurance for dental hygienist right away.
Sadly, statistics show that 96% of dental hygienists do not have disability insurance. This is a scary number. If you count yourself among that 96%, you are inherently exposed to a significant amount of risk. Should an unexpected event get in the way of your ability to report to work each day, your income is going to stop cold. Suddenly, you will be without any way to pay your bills, and simply getting by from week to week will be a serious challenge.
Thanks to disability insurance for dental hygienist, however, you don’t have to be exposed in this way. By finding a policy that is a good fit for your needs, you can avoid taking on such a severe risk. With a policy in place, you will have the peace of mind that comes with knowing there is a backup source of income waiting if you are unable to work. With this concern set off to the side, you can get back to doing your job and serving your patients with the utmost care and confidence.
Ask one of our licensed and highly trained disability insurance coaches to find the best policy for you and answer questions like do I need an own occupation rider on my disability insurance policy? Click here to meet your coach today!
The Bills Don’t Stop
When you are employed in a profession, you don’t tend to think much about your bills. Assuming you have budgeted properly, you can simply pay your bills with your paycheck, put a little bit of money away into savings, and move on to the next month. It’s an easy pattern, and one which you can come to take for granted as the years go by.
Taking this cycle for granted underestimates the possibility of losing your income. Sure, you can cover your bills without much of a problem now, but could you do so without your paycheck? Probably not. Very few people can afford to pay all of their bills when they don’t have a steady income arriving in their bank account.
To gain an understanding of what your situation would look like if you stopped earning a paycheck, take a moment to do some math. Figure out how much you have to spend to cover all of your bills each month, and then think about how long your savings would cover that number. Is it one month, or two? Or is it just a couple of weeks? This is where disability insurance for dental hygienist comes into the picture. With an appropriate policy, you don’t have to worry about this math. You’ll have the money you need to pay your bills, and you can focus on getting healthy and back to work as soon as possible.
It all boils down to this…
You only have three options to choose from when the unexpected accident or illness happens, and your payroll deposit stops:
You can deplete your savings and retirement accounts
You have a wealthy family member that will pay bills for you
You planned ahead and have a disability insurance policy in place that delivers monthly, tax-free cash to your bank account, until you are ready to go back to work
Is This a Dangerous Job?
You probably don’t think about your work as a dental hygienist as being a dangerous job. Of course, it isn’t something like working as a police officer or firefighter. With that said, there may be more dangers associated with your work than you understand at first. Specifically, you may be at risk for repetitive stress injuries. You are likely to perform the same kinds of movements over and over again, day after day. Even if you never suffer any kind of traumatic injury, it is possible that a repetitive stress injury will wind up taking you off the job for at least a period of time.
A couple specific problems that you could run into at some point are lower back problems – from bending over for much of the day – and carpal tunnel syndrome. Obviously, you can hope to avoid these issues throughout your career, and that may wind up being the case. If you aren’t so lucky, however, it will be extremely helpful to have disability insurance for dental hygienist on your side. Rather than having to figure out how you are going to pay bills while receiving treatment, you can take the time necessary to get healthy.
Not a Gamble Worth Taking
Could you go through your entire career without having disability insurance for dental hygienist and not have a problem. Sure, you might get away with it. But then again, you may not. Is it worth taking that risk just to avoid paying a modest premium? Most disability insurance premiums are relatively affordable, especially considering the peace of mind they offer.
The first step toward making sure you are covered is finding out if you are currently eligible for any kind of short- or long-term disability coverage in your position. If you have coverage on either a short- or long-term basis, you can then shop for the opposite coverage to make sure you are covered all the way around. If you have no coverage options at all available through your office, it will be up to you to pick out the policy that is going to meet your needs if you are unable to work.
But there is good news! You don’t have to go through this process alone. Thanks to Disability Insurance Coach, you will have a partner in this process. We can help you find the right policy for your needs, to make sure you have the funds you need to cover your bills in case of an accident or illness. It’s not exactly a secret that shopping for insurance can be a little confusing, especially if you aren’t familiar with the terminology used in the industry. Don’t go it alone when you can trust Disability Insurance Coach to assist you in the process of finding the perfect policy.
You have worked hard to establish yourself as a dental hygienist. It would be a shame to put what you have worked for in jeopardy just because you fail to pick up the appropriate disability insurance policy. You don’t want to find yourself falling behind on your bills, damaging your credit score while you try to get back to work as soon as possible. All of that can be avoided simply by choosing to use disability insurance for dental hygienist as protection against the unexpected. With your policy carefully chosen, the peace of mind you deserve will be in place. Thank you for taking the time to learn about disability insurance for dental hygienists – we wish you luck, and we’ll be happy to help you find the perfect policy!