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Disability insurance for dentists often allows you to purchase the options available for physicians. While some of these options may appear to be a substantial investment at first, as with most medical professionals your regular income stream is your most important asset and should be protected at all times. With current statistics indicating that as many as one in every seven people will suffer a five-year disability before the age of 65, the maintenance of your income is a critical consideration.
If you have your own practice or are a partner in one, you should consider matching your dentist disability insurance with some disability business overhead expenses coverage. In the event you suffer a disability, you'll want to keep your practice, including office expenses and personnel costs, functioning as usual so it (and they) will be there when you're ready to resume your specialty.
Refer to your insurance policy contract for specific information regarding your coverage and for actual terms, conditions and exclusions. The above statements are general in nature and may or may not reflect the actual terms of your insurance policy.