What Is Oral Surgeon Disability Insurance?
Not sure about the role of oral surgeon disability insurance in protecting your financial stability? It’s simple – if you are ill or injured and forced to be out of work for an extended period of time, what will you do to meet your financial obligations? If you lack insurance coverage, chances are good that you’ll struggle to pay your bills. There’s the chance of negative repercussions for your family, even your office. Oral surgeon disability insurance can help ensure that it does not happen.
Why Choose Oral Surgeon Disability Insurance
As an oral surgeon, you’re responsible for helping your patients achieve positive health outcomes in an incredibly wide range of situations. In return, you earn an income that likely falls between $100,000 and $425,000 per year.
That income is the basis for your success and financial stability. It helps pay your employees’ salary if you run your own office, and it pays for your home, your cars, and even for your children’s education. Of course, all that is in jeopardy if you are unable to work and earn that income.
However, with oral surgeon disability insurance, you’ll receive a percentage of your monthly income after a set period of time out of work. That money gives you the means to pay employees or office rent. It also ensures that you can pay your mortgage payment and car loan payments, and for anything else you need.
Do you really need Oral Surgeon disability insurance?
The answer is a resounding yes. You could be injured at home doing routine yard work, or on the way to work. You could suffer from an illness like cancer and find yourself unable to work. Where would you turn for financial relief in those situations?
Your worker’s compensation, health insurance, and auto insurance will only provide limited coverage for your medical costs, but what you will need then is a replacement for your lost income. This can be provided only through oral surgeon disability insurance.
As an oral surgeon, you have probably dedicated years in getting your doctor’s degree and developing your surgical skills. The skills and knowledge you accumulate over the years are your specialties. When you look for an oral surgeon disability insurance you need to make sure that it will protect your working specialty. This can be done through an “own occupation” insurance policy that will provide benefits if you’re unable to perform the specific duties your job involved due to an illness or an injury.
We can help you find an insurance provider that offers the right set of conditions for your own occupation policy. We work with hundreds of insurance companies across the country so we can find the one that is the closest to you and offers the best conditions fit for your needs.
Insurance companies group occupations into specific classes based on documented risk for a particular job. These classes look at the hazards of your job and the difficulty returning to work following a long or short-term disability.
Every insurance company ranks the factors to determine the cost of a policy – age, gender, income, the health of the individual, location, and specialty. These factors are analyzed carefully to determine the overall cost of occupational disability insurance. There are many insurance providers offering oral surgeon disability insurance, so before you settle for a certain insurance policy, check with all providers to make sure you chose the right one.
How much coverage do you need?
To find out how much coverage you will need, you would first need to determine the minimum amount necessary for your monthly living expenses. Afterward, add up any other sources of income without your salary such as disability insurance, your savings, rental income, and any other monthly income you may have.
The difference between your monthly expenses and your expected income should be the coverage of your disability insurance policy. It’s the amount that should be replaced by the monthly benefit from your oral surgeon disability insurance.
When you turn to us for help with your oral surgeon disability insurance, we make sure to include you in every step of the process. We work with you to understand not just the insurer options, but also your options in coverage terms and other considerations.
Why Choose Us
The challenge with oral surgeon disability insurance is finding the right insurer and the right policy for your needs. A disability can happen at any time, now or in 10 years, so it’s important when choosing your insurer to have one that has the financial stability and power to weather difficult economic effects.
There are many insurance companies out there, so it can be confusing to settle for the right provider, but we can help here. We specialize in helping medical professionals like you find the right disability insurance policy to fit your unique needs. When you work with us, you will be involved in every step of the process to make sure you understand everything and are completely happy with what is offered to you.
Buy a Disability Insurance Policy While You’re Young
Oral surgeon disability insurance policies are priced based on the risk of you filing an insurance claim. The higher your risk for filing a claim, the more you’ll pay. One of the primary factors that contribute to higher risk is age. Statistics show that the older you are the more likely you to become disabled. For instance
You can buy an oral surgeon disability insurance and protect your valuable income. Buying disability insurance earlier can save you money in the long-term. Each year you age is more money you’ll be paying out each month or year in premiums.
With the right disability insurance coverage, you can enjoy peace of mind and financial stability. We can help ensure that you are able to find the right insurance coverage for your needs. We invite you to get in touch with us today to learn more – call 1-877-221-6198 or use the form on this page.