How many hygienists have had their backs and necks excluded on a disability policy, due to a minor car accident that required short-term treatment? Insurance companies assess risk when offering a policy. A hygienist with an pre-existing injury to these areas of the body that are affected by our repetitive motions, will have an exclusion in their policy. We are NOT just backs and necks but it would be ideal to have them not excluded from protection. Don’t wait. Policies take 4-8 weeks to go through underwriting. Call and start your application.