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Did you know that in the United States?
 | Three in ten working Americans will experience a long-term disability during their | |
| working years. |
- -Social Security Administration, Fact Sheet January 31, 2007
| Unexpected illnesses and injuries cause 350,000 personal bankruptcies each year. |
- -“Illness and Injury as Contributors to Bankruptcy”, Health Affairs, February 2, 2005
| Close to 90% of disabling accidents and illnesses are not work related. |
| The average long-term disability absence lasts 2.5 years. |
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Has the current economic environment affected your personal lifestyle?
Can you imagine the impact on your current lifestyle if you were unable
to work due to an illness or injury? Contact me to work out a plan that
insures your future and your paycheck.
Can you imagine the impact on your current lifestyle if you were unable
to work due to an illness or injury? Contact me to work out a plan that
insures your future and your paycheck.
| IS THERE REALLY A RISK OF BECOMING DISABLED? |
Yes, besides the risk of critical illnesses such as cancer, MS, heart disease, etc, more
common ailments such as injuries to your hands, elbow, shoulders, back and neck can
dramatically affect your income as a RDH. Advances in medicine mean illnesses that used to
result in death, now often result in disability. For example, while deaths from heart disease
dropped 29%, disabilities from heart disease increased 36%.
Even though you maintain a healthy lifestyle, genetics and accidents may be out of your
control. Do you know anyone that has had a whiplash injury in a minor car accident? Do you
enjoy the Pacific Northwest and it’s opportunities to get outdoors?
Although there are dozens of articles discussing illness/injury, affecting dental hygienists,
there are no hard facts or statistics to foresee who will experience a disability or have an
illness that will cause lost wages and lost time on the job. Claims have been filed by new
graduates, hygienists that have practiced for years, hygienists working part-time or full-time,
hygienists with symptoms caused by their career and others with disabilities caused outside
the practice of dental hygiene. All we know is that hygienists file a significant number of
disability insurance claims. Thus, fewer insurance companies are willing to insure this
profession than those available in 1994.
The Washington State Dental Hygienists’ Association article of claims, 3rd Qtr, 2009, lists
injuries and illnesses that have caused dental hygienists to lose wages.
Common illnesses/injuries
common ailments such as injuries to your hands, elbow, shoulders, back and neck can
dramatically affect your income as a RDH. Advances in medicine mean illnesses that used to
result in death, now often result in disability. For example, while deaths from heart disease
dropped 29%, disabilities from heart disease increased 36%.
Even though you maintain a healthy lifestyle, genetics and accidents may be out of your
control. Do you know anyone that has had a whiplash injury in a minor car accident? Do you
enjoy the Pacific Northwest and it’s opportunities to get outdoors?
Although there are dozens of articles discussing illness/injury, affecting dental hygienists,
there are no hard facts or statistics to foresee who will experience a disability or have an
illness that will cause lost wages and lost time on the job. Claims have been filed by new
graduates, hygienists that have practiced for years, hygienists working part-time or full-time,
hygienists with symptoms caused by their career and others with disabilities caused outside
the practice of dental hygiene. All we know is that hygienists file a significant number of
disability insurance claims. Thus, fewer insurance companies are willing to insure this
profession than those available in 1994.
The Washington State Dental Hygienists’ Association article of claims, 3rd Qtr, 2009, lists
injuries and illnesses that have caused dental hygienists to lose wages.
Common illnesses/injuries
| What benefits do you enjoy from working as a Dental Hygienist? |
A higher than average hourly wage? A nice place that you call home? A nice vacation
now and then? Financially supporting your child’s higher education? A savings plan for
retirement?
now and then? Financially supporting your child’s higher education? A savings plan for
retirement?
