Disability Insurance For Dental Hygienist

When you have a piece of equipment that is costly as well as very useful for your business growth, would you take care of it and would you buy an insurance plan to protect it? Of course, you will do. That’s what almost every individual will do. The same can be said for your ability to earn an income each month. You are that valuable piece of equipment.

An interesting fact about dental hygienists is that they often underestimate the importance of buying a dental hygienist disability insurance. As a dental professional, we understand that you are busy and have a lot of work to handle, but remember that you can only earn while you are working. What about the time when you become mentally or physically disabled and cannot perform the dental hygienist job? This is where disability insurance for dental hygienists can be a helping hand.

Why do dental hygienists need disability insurance?

Just like any other working professional, dental hygienists are also not immune to physical or mental disabilities. This is why it makes sense to be ready to protect your family’s financial freedom with the right step at the right time. Similar to the life insurance and health insurance, the disability insurance for registered dental hygienist will provide financial support, but only when you are unable to work. The dental hygienist insurance plans are designed in a way that they can replace a major portion of your income so that you can focus more on your recovery, instead of your monthly or weekly expenses.

One thing that not many people know about the dental hygienist insurance is that it is different than the workers' compensation coverage, which only provides financial support in case you get injured or sick in a work-related incident.

A dental hygienist disability insurance plan provides you with financial support in the event when you’re unable to work because of something that happened to you outside work. Whether you get injured in a road accident or have been diagnosed with cancer or any other complicated disease that requires you to take complete rest from work, disability insurance for a dental hygienist comes to the rescue.

As a dental hygienist or dentist, you spend enough time both sitting and standing. Your income depends on your skills and the use of your hands to control tools and objects to perform your job. For many dental hygienists, it is also important to perform tasks that require repetitive movements, as well as bending or twisting their body. With all this in mind, it can be quite tough for you to work full-time in the event of a physical or mental disability. Even minor muscle or bone disorders can result in loss of work abilities. At the same time, your work involves performing dental treatment for which you need to be able to see the detail in your patients’ mouths. This is why, your vision must be very good. Loss of vision can also result in the inability to work.

With the help of a disability insurance for registered dental hygienist, it becomes possible to maintain a flow of financial support, even when you’re dealing with mental or physical disabilities. A disability insurance plan ensures that you are able to handle your weekly or monthly expenses, even if you can’t work due to an illness or injury. This way, you don’t have to worry about expenses like grocery bills, electricity bills, medical bills, house rent, etc., but only focus on your recovery.

Types Of Dental Hygienist Disability Insurance Options

As a dental hygienist or dentist, you can opt from different types of disability insurance plans, which include:

• Short-Term Disability – When you indulge in a road accident or even sustain physical disability due to a disease that prevents you from working for a short duration, short-term disability insurance can be an ideal choice as this can replace part of your paycheck for a limited period, which is usually nine weeks to a year. The goal of the insurance plan is that you focus on recovery with less concern for your finances.
• Long-Term Disability – Another option available for the dental hygienists to protect their income in the event of a physical or mental disability is a long-term disability income insurance plan that can maintain a flow of funds if an on- or off-the job incident prevents you from working. With this type of insurance plan, one can receive financial support for up to five, 10, or 20 years, depending upon the coverage endurance you choose when buying the plan.

Disability Insurance Riders For Dental Hygienists

As a dental hygienist, you can also choose to add some special features to your insurance plan to enhance your coverage. These features are called raiders, which include:

• Student Loan Rider – Student loans can go for years, even after you’ve completed your education. With this raider, it becomes possible for dentists to pay for some or all of your student loan debt if you can’t practice.
• Catastrophic Disability Rider – This type of raider can be very useful when you need to pay for the care needed due to a catastrophic injury or illness. This can be a situation when you suffer a complete loss of at least one of your senses such as speech, hearing, sight, use both hands or both feet, etc.
• Cost-of-Living Adjustment – The inflation rate is increasing across the world every year. So, you cannot expect to have house rents the same as they’re now. Similar goes for other expenses. With the Cost-of-Living Adjustment (COLA) Rider, it becomes possible to increase your benefit amount each year you are disabled.

So, when you want to protect your financial freedom with the help of a disability insurance for registered dental hygienist, trust Quixory. We bring to you the best options on disability insurance plans for dental hygienist with the lowest cost.

Explore our range of options available and the raiders to make it even lucrative deal to you.