Frequently Asked Questions

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Do you only work with women?

No. I began my insurance practice in 2005, helping my fellow dental hygienists find and secure quality disability income insurance contracts. I do have a high volume of female clients and I am passionate about all women being at the table to understand and be involved in financial decisions.

Why did you focus on disability insurance coverage for dental hygienists?

Dental hygiene is a profession that statistically files a large number of disability claims. Many insurance carriers no longer offer quality contracts to this profession. Finding a quality contract is vital to protect a financial plan. There is no greater asset than the ability to earn an income.

Why is this insurance so difficult to purchase?

You must qualify for coverage. Insurability depends on many factors when applying for insurance. You can not buy fire insurance if your house is burning down. Applying for coverage when you are already injured or sick, will not result in protecting your paycheck from that preexisting condition.

Should I apply if I know I have a preexisting condition?

Looking into your options before answering that question, is how I work with clients. What you may believe will preclude you from coverage, may not be true. Having a potential exclusion is not a reason to not apply for coverage. I never believed that my left thumb would cause the loss of my own dental hygiene career (I am a right-handed practitioner). A pre-screening prior to application may be recommended.

What does disability income insurance cover?

This type of insurance protects your paycheck in the event of injury or illness.

I have group coverage at work. Why would I apply for more insurance?

I have found that very few people understand their employee benefits and this can be costly when you file a claim. I ask potential clients to supply me with their benefits information so I can explain what they already have and evaluate if all income is adequately insured. Most people do not know that employer paid benefits will be taxed, resulting in loss of 60-65% of pre-disability income.

How much does it cost?

This is the number one question I get. Pricing depends on your occupation (what occupation are you engaged in that you are receiving your income from), your age (pricing goes up with age), how much income needs to be insured (the more money that needs protecting, the higher the premium), are you male or female (females pay more). There is no fee to reach out to me for a quote and options. Cost should never be the deciding factor when choosing a policy. Share your budget so the policy design will be discussed & explained.

Which is priority, disability or life insurance?

Disability insurance is income replacement in the event of injury or illness and life insurance is income replacement in the event of death. 1 in 4 adults will experience a disability during adulthood. Applying for a comprehensive disability contract and a term life insurance policy is an ideal starting point.

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