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Disability Insurance for Chiropractors

Disability Insurance for Chiropractors

As a chiropractor, you know that unexpected accidents and injuries happen randomly. In fact, you see people who have suffered various injuries every day of the week, all year long. You are in the business of helping people feel better, whether they are recovering from a specific injury or trying to deal with pain that has been bothering them for years. You know about the many unexpected accidents and injuries things that can take people off the job and it can happen to your body also and that’s why you understand the importance of disability insurance for chiropractors.

You must twist and turn your own body just trying to get your patients body into the right position and just like your patients don’t know how to protect themselves, most likely you need an unbiased disability insurance coach.

To find out more about your coverage options, contact Disability Insurance Coach today.

If you work as a chiropractor, there is a good chance you are a small business owner. If that is the case, you already understand the risks and rewards that come along with running your own operation. On the plus side, the potential for making a great living is right there in front of you.

If you do a good job, attract plenty of clients, and keep your expenses to a minimum, you can build an excellent career and a great life for you and your family. However, if something comes along like an injury or illness which knocks you off of that track, everything you have built could be at risk. It is in such a time where disability insurance for chiropractors will come into the picture.  According to the Council For Disability Awareness more than one in four of today’s 20 year olds can expect to be out of work for at least a year because of a disabling condition before they retire.  That statistic is actually good for your business, more accidents and injuries means more patients need your help.

The question is this. If the unexpected accident or injury happens to you, how long can your business survive without you?  If you have disability insurance and combine that with business overhead insurance you have a rock solid plan.

For a large business, the loss of one single individual is usually not a big deal. The business can go on while that person is away, and that person can usually pick back up without much trouble when they return. That is not the case with something like a chiropractic office. As the chiropractor, you are the business. Without you being able to perform your duties each day, the business won’t run, and no money will be made. You are probably used to that pressure by now, and you have no problem getting the job done. But what if you have an injury and are unable to work for a period of time? Are you going to be able to get through that period financially until you can come back to the office and resume serving your clients?

Think About Yourself

To be a good chiropractor, you have to want to serve others. While you can make a great living in this line of work, it isn’t an easy job. Dealing the various needs of your patients, understanding their issues, and then offering care is a big challenge to tackle. If you didn’t have a desire to help people feel better, you simply would find something easier to do. At Disability Insurance Coach, we can relate to the feeling of wanting to help people. If you feel like you need assistance when looking for a disability insurance policy, we would be glad to help.

With that being the case, you may be the kind of person who tends to think about others more than yourself. That’s a great trait to have, but it can get you into trouble sometimes. If you are too busy thinking about what other people need – specifically, your patients – you may not spend enough time thinking about yourself and your family Disability insurance for chiropractors can help fill the gap here. While you are busy working hard to make your business successful, something may come along that threatens to throw you off the right financial track. With disability insurance in place, you can replace your lost income for a period of time until you get back to work.

It all boils down to this…

Disability Insurance

You only have three options to choose from when the unexpected accident or illness happens, and your payroll deposit stops:

  1. You can deplete your savings and retirement accounts
  2. You have a wealthy family member that will pay bills for you
  3. You planned ahead and have a disability insurance policy in place that delivers monthly, tax-free cash to your bank account, until you are ready to go back to work

We will forgive you if the list above makes you chuckle for a minute. A rich family member! Wouldn’t that be the life? Most people aren’t going to be able to lean on that possibility, so we can toss it out right off the top. That leaves options one and three as viable possibilities, depending on your situation. The first option is only going to work if you have enough money saved up to pay your bills for a period of time. And, even if that is the case, you would hate to wipe out most or all of your retirement and savings to cover this period of time when you are off the job.

Which brings us to option number three. If you have taken out disability insurance for chiropractors in advance, you can turn to your policy when you are unable to work for some reason. Assuming you have selected the right policy for your needs, you will be able to replace your income for a period of time – or, at least enough of your income to keep up with your bills and get by on a monthly basis.

Providing chiropractic care is a physical job, and it may not take much of an injury to take you out of work for some time. Of course, as a chiropractor, you see examples of injuries all the time, and you know very well how long it can take for the human body to recover back to full strength. By picking up disability insurance for chiropractors right away, you can mitigate the risk of getting hurt and you can go a long way toward protecting your financial future.

Getting Some Help

One of the things that holds some people back from purchase disability insurance – no matter which field they work in – is the fact that shopping for this kind of coverage on your own can be intimidating. There are a lot of options out there on the market, and you might not recognize all of the terms that you encounter. It is important to pick out the right policy but finding that policy can feel like looking for a needle in a haystack.

That’s where Disability Insurance Coach comes into the picture. We don’t want you to have to look for your policy alone, so we will help you at every turn. Our team has the knowledge and experience you need on your side. With a little guidance, you will find that tracking down the right disability insurance for chiropractors is actually quite simple. In the end, the goal is to secure a policy which offers the coverage you need at a cost that you can afford.

Thank you for taking the time to visit our blog, and we hope you have all the motivation you need to get out and shop for disability insurance for chiropractors. With any luck, you won’t need to call on this policy, and you will be able to continue serving your patients without interruption for years to come. However, if something does happen and you need to make a claim, you will be happy that you took the time to cover yourself in this way. You have worked hard to build your career and your financial standing, don’t let something like an injury tear down what you have created.

Thanks again for stopping by, to get an immediate quote on chiropractor disability insurance, fill out the form on the left to get started!