Dentists Disability Insurance Blog

The 100 Best Jobs of 2018

According to being a Dentist is the 2nd best job in America.  Number 5 is Orthodontist, and 8 is Oral Surgeon. No single job suits all of us, but many of the best ones have a few attributes in common: They pay well, challenge us year after year, match our talents and skills, aren't too stressful, offer room to advance throughout our careers and provide a satisfying work-life balance. Whether the position is in demand is also a consideration, especially among job seekers. U.S. News uses these qualities to rank the 100 Best Jobs of 2018. Software developer, physician assistant, dentist, nurse practitioner and orthodontist are among the top-ranked careers on the list. You can also explore the best paying jobs and other more specific career rankings. Source:

Real Life Story: CNBC’s Finance Correspondent Stresses the Importance of Disability Insurance After her own Unexpected Tragedy

How CNBC Finance Correspondent, Sharon Epperson, Avoided Financial Disaster Through a Sudden, Medical Disability

Photo credit CNBC

CNBC’s Senior Personal Finance Correspondent, Sharon Epperson, shares a powerful reminder of how important it is to be financially prepared for the unexpected. She notes, “In my reporting on personal finance, I often tell readers and viewers that it is […]

Disability Insurance Premium – Graded vs. Level

Once you make the decision that you need income protection, and you find a policy that fits your needs, now you need to decide how to pay for it.  Insurance companies offer a few options:

  • Noncancellable & Guaranteed Renewable with fixed level premiums – Once you get the policy everything is guaranteed until age […]

“The only thing that hurts more than paying income taxes is not having an income to tax”

How much are your hands worth?  As a dentist you have put a lot of time and money to get to where you are.  Your future earnings potential is in the millions.  And in a flash that could all be gone.

You Get What You Pay For

price-vs-valueIn the insurance world it’s very hard to overpay, or under pay for a policy.  Each company employs a team of actuaries that comb through thousands and thousands of statistics in order to understand a certain risk.  They then have to price their various products in a way that makes them profitable, and also competitive.  That’s why when you see a very inexpensive insurance product such as term life insurance or accidental death & dismemberment insurance, you can be sure that you will likely never file a claim. If the risk is all the same, why is one policy more or less expensive than another?  And what should you do to find the best deal?

Life Insurance Awareness Month

Life Insurance Awareness MonthDid you know that Dentists Disability Insurance can also help with your life insurance needs?  We are licensed with just about every insurance company out there, and have years of experience with both term and permanent life insurance. September is Life Insurance Awareness Month.  With kids back in school, and summer winding down, now is a great time to review your plan.  Consider the fact that 1 in 3 households would have immediate trouble paying living expenses if the primary wage earner died, according to the 2016 Insurance Barometer Study by Life Happens and LIMRA. And the study also found that 40% haven’t bought life insurance or more of it because they’re unsure of how much or what type to buy.

How is your income tax being spent?

Today is national #TaxDay.  Have you ever wondered how your tax dollars are being spent? Today is also a good day to revisit your disability insurance needs.  Has your income gone up since you last reviewed your policy?  Most insurance companies will give you up to 60% of your gross income as a disability benefit.  If your income has outgrown your coverage over the years, we can help fill that gap.

Principal Financial Group is getting a new look

Same name. Same company. Now with an exciting new global look to better represent who we are and where we’re headed in the future. We’ve always been about helping people but our business has changed substantially during the past decades. Our new logo is designed to reflect that. It balances our global expertise with an embracing spirit. It conveys movement and our focus on helping people make financial progress. And, it’s a “P.” We might look different, but we’ll continue to serve you with the strength, stability, integrity and experience you’ve come to expect.

The most important thing you probably aren’t buying — but should be

Disability Insurance

1. Disability insurance

Disability insurance — which replaces some of your income should you become disabled and cannot work — tends to get neglected more than other types of insurance, yet it is one of the most important types to buy. The Bureau of Labor Statistics found that in 2014, 39% of private industry workers took part in short-term disability insurance — which typically covers periods lasting less than six months — and 33% took part in long-term disability insurance, which covers the length of the disability or until retirement. "It's one of the biggest things people overlook," explains Mary Beth Storjohann, certified financial planner and author of "Work Your Wealth." "They think, 'It won't happen to me,' but the stats tell a different story." The Social Security Administration estimates that a 20-year-old entering the workforce has a one in four chance of becoming disabled before retirement.

The #1 Most Damaging Job to Your Health

There is a reason you are told to protect your income with disability insurance. According to a recent article in Business Insider, being a dentist is the most damaging occupation you can have on your health.

Our team at Dentists Disability Insurance has one goal in mind – to efficiently protect your income with the […]