Free guide for PAs, NPs, CRNAs & dentists

Your hands built this income.
Protect what they earn.

Advanced-practice and dental clinical careers carry the same income risk physicians carry — often on group coverage designed for a much lower salary. This guide shows you what a real disability policy needs to say, and why the price only goes up the longer you wait.

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Written for PAs, NPs, CRNAs & dentists

The PA, NP, CRNA & Dentist's Guide to Disability Income Protection 10 pages · Wealth Preservers · Ponte Vedra, FL

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What's inside

What your benefits packet
doesn't tell you.

Most PAs, NPs, CRNAs and dentists never read the definition of disability in their group plan until they need it — and by then it's too late to change. This guide walks through exactly what to look for before that day comes.

Chapter 1

Why group coverage isn't enough

Employer long-term disability usually caps out around $5,000–$10,000 a month, taxable, and disappears the moment you change jobs. See how that stacks up against what your income actually requires.

Chapter 2

The definition that decides whether you get paid

"Own-occupation" vs. "any-occupation" — the phrase in your policy that decides whether a hand tremor, a bad back, or a lost license actually gets you a benefit.

Chapter 3

Why now is the best time to apply

Your premium locks in on your age and health at application — not at claim time. We show you what waiting a few years actually costs.

Chapter 4

Your hands, your income

What changes by profession — the specific risks CRNAs, dentists, PAs and NPs each carry, and what a policy needs to say to actually cover them.

Bonus

Questions worth asking

A short checklist to bring to your next benefits enrollment — the five questions that reveal what your current coverage will and won't do.

The reality

The numbers most benefits
packets don't show you.

Disability isn't rare, and for clinicians whose income depends on steady hands and a valid license, it's a risk worth understanding clearly — before you need to.

1 in 4

Working adults will experience a disability lasting 90+ days before they retire

90 days

The average short-term disability claim lasts nearly 3 months

$6,000

A typical group LTD monthly cap — regardless of how much more you actually earn

30–40%

The typical drop in take-home income when relying on group LTD alone

Consider this

A CRNA earning $210,000 a year develops a hand tremor that ends their ability to administer anesthesia. Their group LTD plan pays 60% of salary — but holds the actual payment to $6,000 a month before taxes, the plan's cap. That's a fraction of what they were earning, with no adjustment for their actual income. An own-occupation policy sized to their real salary would have paid substantially more, and would have paid even if they went on to do administrative or teaching work instead.

Allen Bronton, LUTCF

Insurance Advisor · Wealth Preservers · Ponte Vedra, FL

Your advisor

We work with Northeast Florida's advanced-practice and dental community — not just for it.

Wealth Preservers was built to serve the financial protection needs of professionals who spend their careers taking care of others. We've partnered with physicians, PAs, NPs, CRNAs, and dentists across Northeast Florida's hospital systems and private practices for years.

We don't sell products. We build relationships — starting with making sure you understand exactly what you're getting and why it matters for your specific situation. No pressure, no jargon, no commission-first conversations.

When you download the guide, you're getting our best thinking in one place. If you'd like to talk through your situation personally, we're always glad to make time.

Florida-licensed Independent advisor Advanced-practice & dental focus Ponte Vedra, FL

Your hands built this income.Protect what they earn.