As a dentist or dental specialist, your risk of becoming disabled is quite high compared to other professions. That’s why it’s important to carry disability insurance to protect against this considerable risk until you can self-insure. Should you become disabled, here’s how to ensure that all benefits received will be tax-free.

Due to the physical demands of the profession, dentists have a 25% likelihood of filing a disability claim at some point during their career. While cardiovascular disease is the number one contributing factor, there are several other causes as well. Years of standing, twisting, stooping, grasping, and gripping often cause degenerative issues in doctors’ hands, wrists, neck, back, and shoulders. In a 2015 study, 68% of surveyed dentists reported...