{"id":18829,"date":"2021-04-28T08:45:02","date_gmt":"2021-04-28T13:45:02","guid":{"rendered":"https:\/\/www.aae.org\/specialty\/?p=18829"},"modified":"2021-04-25T13:00:29","modified_gmt":"2021-04-25T18:00:29","slug":"when-should-you-start-looking-for-disability-income-insurance","status":"publish","type":"post","link":"https:\/\/www.aae.org\/specialty\/when-should-you-start-looking-for-disability-income-insurance\/","title":{"rendered":"When Should You Start Looking for Disability Income Insurance?"},"content":{"rendered":"

\"\"Don\u2019t skimp on this critically important protection for dentists.<\/em><\/p>\n

By Jamie L. Fehrs, MBA, ChFC<\/em>\u00ae<\/em><\/p>\n

At our firm, we have always held that disability income insurance is protection that anyone practicing dentistry should secure as soon as possible (read: immediately!). As a financial services professional, I am all too familiar with the common reasons doctors offer for putting off the purchase of this important risk management tool. I\u2019ve heard, \u201cWell, you know what, I am not making any money right now. For goodness sake, I\u2019m still paying tuition!\u201d I\u2019ve also heard, \u201cI make fifty grand as a resident, believe me there\u2019s not a dime to spare.\u201d<\/p>\n

While I don\u2019t deny that for many people getting through dental school or residency comes with a specific set of stressors, I also can\u2019t refute the fact that disability is a really serious matter. Disability is one of those things that most people believe \u201cwill not happen to me,\u201d until it unfortunately does, and inevitably upends their life. Being \u201ctaken out\u201d by a disability is hard enough physically and emotionally; it need not be exacerbated by the financial hardship that comes from losing your primary source of income.<\/p>\n

I would contend that in some ways you’re probably worth more as a student than you are at any time in the future. Hard to believe? Well, it\u2019s true! As a student, you are \u201call potential,\u201d and as such you have all of your earning years ahead of you. That\u2019s something to be cherished and protected.<\/p>\n

Securing disability income coverage while you are in training may put you in a position to update the coverage once you get out of your training program. Another great part is that once you obtain it, you may be able to update your coverage without regard to any changes that may have occurred in your health history. Again, if you\u2019re a young person and you\u2019re thinking \u201cwhat kind of health changes is he talking about?\u201d \u2013 believe me, there are things that happen when you get older. Your body is generally in its best condition the younger you are.<\/p>\n

Now, let\u2019s turn to your income. Even if being a student is hard, by the time you graduate, your income likely will have gone up. Most people want to increase their disability income coverage at that point, because there\u2019s more at stake. Now that you\u2019re making some \u201creal\u201d money, you want to make sure that you protect that income. Knowing that you have locked in your health history early on in your career, likely will allow you to access better rates for purchasing insurance.<\/p>\n

You may have heard that some companies offer discounted rates for dental students or residents. They may let you \u201clock in\u201d a lower rate when you\u2019re in school. Given that most people are in school when they\u2019re younger and in better health, then obviously the rates you lock in will be quite in your favor. So think about that! Now is a great time to buy disability income insurance. Don\u2019t put it off until after graduation, get it while you can.<\/p>\n

The bottom line is that disability income insurance is a kind of asset protection. You would never think of not having health insurance, would you? Of course not. Everything hinges on your physical health, and you want to protect that asset. It helps to think about disability insurance as the insurance you get to protect your financial health. It\u2019s the stopgap measure that kicks in when you are unable to produce an income due to disability.<\/p>\n

Just remember, you\u2019re likely the most valuable money-making asset you have.<\/p>\n

Treloar & Heisel and Treloar & Heisel Property and Casualty are divisions of Treloar & Heisel, Inc.<\/p>\n

Insurance products are offered through Treloar & Heisel, Inc.<\/p>\n

This content is intended for general informational purposes only and should not be construed as advice. Please consult with a licensed insurance advisor.<\/p>\n

21-022<\/p>\n

Jamie Fehrs is manager, Financial Services Association Division, Treloar & Heisel. Learn more at www.treloaronline.com<\/a>.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Don\u2019t skimp on this critically important protection for dentists. By Jamie L. Fehrs, MBA, ChFC\u00ae At our firm, we have always held that disability income insurance is protection that anyone…<\/p>\n","protected":false},"author":12,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"categories":[266],"tags":[],"feature":[236],"class_list":["post-18829","post","type-post","status-publish","format-standard","hentry","category-uncategorized","feature-paperpoint"],"yoast_head":"\nWhen Should You Start Looking for Disability Income Insurance? - American Association of Endodontists<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.aae.org\/specialty\/when-should-you-start-looking-for-disability-income-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"When Should You Start Looking for Disability Income Insurance? - American Association of Endodontists\" \/>\n<meta property=\"og:description\" content=\"Don\u2019t skimp on this critically important protection for dentists. By Jamie L. Fehrs, MBA, ChFC\u00ae At our firm, we have always held that disability income insurance is protection that anyone…\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.aae.org\/specialty\/when-should-you-start-looking-for-disability-income-insurance\/\" \/>\n<meta property=\"og:site_name\" content=\"American Association of Endodontists\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/endodontists\" \/>\n<meta property=\"article:published_time\" content=\"2021-04-28T13:45:02+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.aae.org\/specialty\/wp-content\/uploads\/sites\/2\/2019\/09\/JamieFehrs500-min-150x150.png\" \/>\n<meta name=\"author\" content=\"Elisabeth Lisican\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@savingyourteeth\" \/>\n<meta name=\"twitter:site\" content=\"@savingyourteeth\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Elisabeth Lisican\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.aae.org\/specialty\/when-should-you-start-looking-for-disability-income-insurance\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.aae.org\/specialty\/when-should-you-start-looking-for-disability-income-insurance\/\"},\"author\":{\"name\":\"Elisabeth Lisican\",\"@id\":\"https:\/\/www.aae.org\/specialty\/#\/schema\/person\/db2d09ae5a4e55e3f493d0bdb744a5fa\"},\"headline\":\"When Should You Start Looking for Disability Income Insurance?\",\"datePublished\":\"2021-04-28T13:45:02+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.aae.org\/specialty\/when-should-you-start-looking-for-disability-income-insurance\/\"},\"wordCount\":696,\"publisher\":{\"@id\":\"https:\/\/www.aae.org\/specialty\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.aae.org\/specialty\/when-should-you-start-looking-for-disability-income-insurance\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.aae.org\/specialty\/wp-content\/uploads\/sites\/2\/2019\/09\/JamieFehrs500-min-150x150.png\",\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.aae.org\/specialty\/when-should-you-start-looking-for-disability-income-insurance\/\",\"url\":\"https:\/\/www.aae.org\/specialty\/when-should-you-start-looking-for-disability-income-insurance\/\",\"name\":\"When Should You Start Looking for Disability Income Insurance? - American Association of Endodontists\",\"isPartOf\":{\"@id\":\"https:\/\/www.aae.org\/specialty\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.aae.org\/specialty\/when-should-you-start-looking-for-disability-income-insurance\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.aae.org\/specialty\/when-should-you-start-looking-for-disability-income-insurance\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.aae.org\/specialty\/wp-content\/uploads\/sites\/2\/2019\/09\/JamieFehrs500-min-150x150.png\",\"datePublished\":\"2021-04-28T13:45:02+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.aae.org\/specialty\/when-should-you-start-looking-for-disability-income-insurance\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.aae.org\/specialty\/when-should-you-start-looking-for-disability-income-insurance\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.aae.org\/specialty\/when-should-you-start-looking-for-disability-income-insurance\/#primaryimage\",\"url\":\"https:\/\/www.aae.org\/specialty\/wp-content\/uploads\/sites\/2\/2019\/09\/JamieFehrs500-min.png\",\"contentUrl\":\"https:\/\/www.aae.org\/specialty\/wp-content\/uploads\/sites\/2\/2019\/09\/JamieFehrs500-min.png\",\"width\":500,\"height\":749},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.aae.org\/specialty\/when-should-you-start-looking-for-disability-income-insurance\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.aae.org\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Specialty\",\"item\":\"https:\/\/www.aae.org\/specialty\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"When Should You Start Looking for Disability Income Insurance?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.aae.org\/specialty\/#website\",\"url\":\"https:\/\/www.aae.org\/specialty\/\",\"name\":\"American Association of Endodontists\",\"description\":\"Shaping the Future of Endodontic\",\"publisher\":{\"@id\":\"https:\/\/www.aae.org\/specialty\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.aae.org\/specialty\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.aae.org\/specialty\/#organization\",\"name\":\"American Association of Endodontists\",\"url\":\"https:\/\/www.aae.org\/specialty\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.aae.org\/specialty\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.aae.org\/specialty\/wp-content\/uploads\/sites\/2\/2017\/04\/aae_share_specialty.jpg\",\"contentUrl\":\"https:\/\/www.aae.org\/specialty\/wp-content\/uploads\/sites\/2\/2017\/04\/aae_share_specialty.jpg\",\"width\":1200,\"height\":628,\"caption\":\"American Association of Endodontists\"},\"image\":{\"@id\":\"https:\/\/www.aae.org\/specialty\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/endodontists\",\"https:\/\/x.com\/savingyourteeth\",\"https:\/\/www.linkedin.com\/company\/american-association-of-endodontists\",\"http:\/\/www.youtube.com\/rootcanalspecialists\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.aae.org\/specialty\/#\/schema\/person\/db2d09ae5a4e55e3f493d0bdb744a5fa\",\"name\":\"Elisabeth Lisican\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.aae.org\/specialty\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/cdc994f7f54ddf5ed09a1ff3c00eae24d430edb72075ecf3f460d82ce40f4f3f?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/cdc994f7f54ddf5ed09a1ff3c00eae24d430edb72075ecf3f460d82ce40f4f3f?s=96&d=mm&r=g\",\"caption\":\"Elisabeth Lisican\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"When Should You Start Looking for Disability Income Insurance? - American Association of Endodontists","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.aae.org\/specialty\/when-should-you-start-looking-for-disability-income-insurance\/","og_locale":"en_US","og_type":"article","og_title":"When Should You Start Looking for Disability Income Insurance? - American Association of Endodontists","og_description":"Don\u2019t skimp on this critically important protection for dentists. By Jamie L. Fehrs, MBA, ChFC\u00ae At our firm, we have always held that disability income insurance is protection that anyone…","og_url":"https:\/\/www.aae.org\/specialty\/when-should-you-start-looking-for-disability-income-insurance\/","og_site_name":"American Association of Endodontists","article_publisher":"https:\/\/www.facebook.com\/endodontists","article_published_time":"2021-04-28T13:45:02+00:00","og_image":[{"url":"https:\/\/www.aae.org\/specialty\/wp-content\/uploads\/sites\/2\/2019\/09\/JamieFehrs500-min-150x150.png","type":"","width":"","height":""}],"author":"Elisabeth Lisican","twitter_card":"summary_large_image","twitter_creator":"@savingyourteeth","twitter_site":"@savingyourteeth","twitter_misc":{"Written by":"Elisabeth Lisican","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.aae.org\/specialty\/when-should-you-start-looking-for-disability-income-insurance\/#article","isPartOf":{"@id":"https:\/\/www.aae.org\/specialty\/when-should-you-start-looking-for-disability-income-insurance\/"},"author":{"name":"Elisabeth Lisican","@id":"https:\/\/www.aae.org\/specialty\/#\/schema\/person\/db2d09ae5a4e55e3f493d0bdb744a5fa"},"headline":"When Should You Start Looking for Disability Income Insurance?","datePublished":"2021-04-28T13:45:02+00:00","mainEntityOfPage":{"@id":"https:\/\/www.aae.org\/specialty\/when-should-you-start-looking-for-disability-income-insurance\/"},"wordCount":696,"publisher":{"@id":"https:\/\/www.aae.org\/specialty\/#organization"},"image":{"@id":"https:\/\/www.aae.org\/specialty\/when-should-you-start-looking-for-disability-income-insurance\/#primaryimage"},"thumbnailUrl":"https:\/\/www.aae.org\/specialty\/wp-content\/uploads\/sites\/2\/2019\/09\/JamieFehrs500-min-150x150.png","inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.aae.org\/specialty\/when-should-you-start-looking-for-disability-income-insurance\/","url":"https:\/\/www.aae.org\/specialty\/when-should-you-start-looking-for-disability-income-insurance\/","name":"When Should You Start Looking for Disability Income Insurance? - American Association of Endodontists","isPartOf":{"@id":"https:\/\/www.aae.org\/specialty\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.aae.org\/specialty\/when-should-you-start-looking-for-disability-income-insurance\/#primaryimage"},"image":{"@id":"https:\/\/www.aae.org\/specialty\/when-should-you-start-looking-for-disability-income-insurance\/#primaryimage"},"thumbnailUrl":"https:\/\/www.aae.org\/specialty\/wp-content\/uploads\/sites\/2\/2019\/09\/JamieFehrs500-min-150x150.png","datePublished":"2021-04-28T13:45:02+00:00","breadcrumb":{"@id":"https:\/\/www.aae.org\/specialty\/when-should-you-start-looking-for-disability-income-insurance\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.aae.org\/specialty\/when-should-you-start-looking-for-disability-income-insurance\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.aae.org\/specialty\/when-should-you-start-looking-for-disability-income-insurance\/#primaryimage","url":"https:\/\/www.aae.org\/specialty\/wp-content\/uploads\/sites\/2\/2019\/09\/JamieFehrs500-min.png","contentUrl":"https:\/\/www.aae.org\/specialty\/wp-content\/uploads\/sites\/2\/2019\/09\/JamieFehrs500-min.png","width":500,"height":749},{"@type":"BreadcrumbList","@id":"https:\/\/www.aae.org\/specialty\/when-should-you-start-looking-for-disability-income-insurance\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.aae.org\/"},{"@type":"ListItem","position":2,"name":"Specialty","item":"https:\/\/www.aae.org\/specialty\/"},{"@type":"ListItem","position":3,"name":"When Should You Start Looking for Disability Income Insurance?"}]},{"@type":"WebSite","@id":"https:\/\/www.aae.org\/specialty\/#website","url":"https:\/\/www.aae.org\/specialty\/","name":"American Association of Endodontists","description":"Shaping the Future of Endodontic","publisher":{"@id":"https:\/\/www.aae.org\/specialty\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.aae.org\/specialty\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.aae.org\/specialty\/#organization","name":"American Association of Endodontists","url":"https:\/\/www.aae.org\/specialty\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.aae.org\/specialty\/#\/schema\/logo\/image\/","url":"https:\/\/www.aae.org\/specialty\/wp-content\/uploads\/sites\/2\/2017\/04\/aae_share_specialty.jpg","contentUrl":"https:\/\/www.aae.org\/specialty\/wp-content\/uploads\/sites\/2\/2017\/04\/aae_share_specialty.jpg","width":1200,"height":628,"caption":"American Association of Endodontists"},"image":{"@id":"https:\/\/www.aae.org\/specialty\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/endodontists","https:\/\/x.com\/savingyourteeth","https:\/\/www.linkedin.com\/company\/american-association-of-endodontists","http:\/\/www.youtube.com\/rootcanalspecialists"]},{"@type":"Person","@id":"https:\/\/www.aae.org\/specialty\/#\/schema\/person\/db2d09ae5a4e55e3f493d0bdb744a5fa","name":"Elisabeth Lisican","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.aae.org\/specialty\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/cdc994f7f54ddf5ed09a1ff3c00eae24d430edb72075ecf3f460d82ce40f4f3f?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/cdc994f7f54ddf5ed09a1ff3c00eae24d430edb72075ecf3f460d82ce40f4f3f?s=96&d=mm&r=g","caption":"Elisabeth Lisican"}}]}},"acf":[],"_links":{"self":[{"href":"https:\/\/www.aae.org\/specialty\/wp-json\/wp\/v2\/posts\/18829","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.aae.org\/specialty\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.aae.org\/specialty\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.aae.org\/specialty\/wp-json\/wp\/v2\/users\/12"}],"replies":[{"embeddable":true,"href":"https:\/\/www.aae.org\/specialty\/wp-json\/wp\/v2\/comments?post=18829"}],"version-history":[{"count":0,"href":"https:\/\/www.aae.org\/specialty\/wp-json\/wp\/v2\/posts\/18829\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.aae.org\/specialty\/wp-json\/wp\/v2\/media?parent=18829"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.aae.org\/specialty\/wp-json\/wp\/v2\/categories?post=18829"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.aae.org\/specialty\/wp-json\/wp\/v2\/tags?post=18829"},{"taxonomy":"feature","embeddable":true,"href":"https:\/\/www.aae.org\/specialty\/wp-json\/wp\/v2\/feature?post=18829"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}