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Disability Insurance for Physical Therapists

Disability Insurance for Physical TherapistsDisability Insurance for Physical Therapists is just plain smart!  As a Physical Therapist, you stress your body working with your patients and are exposed to their potential illness that they may be carrying.  Protect your income today!

Physical therapy is demanding. If you already work as a physical therapist, you know very well how you feel at the end of a long day. Your body is tired, your mind is worn out, and you know you’ve got to do it all again tomorrow.  Who is going to be there for you if you get sick or injured on or off the job?  It’s smart to understand how disability insurance for physical therapists can play a part of your overall financial planning.

The work can be very rewarding – it is great to help people recover from injuries and make the best of their physical capabilities – but there is no doubt that it’s a challenge.

Physical therapy work is not the kind of work where you can just get by, even if your body isn’t at its best. You need to be ready for the rigors of work each day, and if you are not, you’ll likely need to stay home. This is a scary thought. Even a relatively minor injury might keep you off the job, and might prevent you from bringing home paychecks. Toward that end, it is smart to consider disability insurance for physical therapists as a way to mitigate the risks of your position.

If you are interested in disability insurance for physical therapists, we would be happy to help. Disability Insurance Coach wants to take the confusion and stress out of the process of finding disability insurance which meets your needs. There are a variety of policies out there today – each with its own premiums and coverage, and it can all get a bit overwhelming if you go it alone. With Disability Insurance Coach to help, however, things quickly make a lot more sense.

You can request to meet with your own personal disability insurance coach now by clicking here.

Not Your Average Desk Job
For many people, going to work means heading to the office, sitting down in a desk chair, and staying there for most of the day. Other than a few trips to the printer and a break for lunch, this type of worker is going to be sitting in front of a computer screen the majority of the time. As a physical therapist, that probably isn’t what your day looks like. You’ll use the computer some, of course, but you’ll also be on your feet working with patients. There is something to be said for not having to sit in a chair all day, but this type of active work does make it more likely that you’ll be injured on the job.

In certain types of physical therapy employment, you may not even work in an office. You might travel to patients’ homes on a regular basis, or at least from time to time. When that is necessary, other injury possibilities pop up, such as accidents that may occur going in and out of patients’ homes, or moving around within the home. These are locations that you are not familiar with, meaning the risk of an incident will be slightly higher. You can certainly work for years without having anything happen, and hopefully nothing ever will. However, in the case that you do suffer an injury and are unable to work, having disability insurance for physical therapists in place will be a great relief.

Take the stress out of shopping all the carriers and let our licensed, personal disability insurance coaches do the work for you!  Click here now to get started.

How Will You Pay Your Bills?
Let’s stop for a moment and think about a hypothetical situation. This is a situation which we hope never takes place, but it is one that is certainly possible for physical therapists, as well as those in other professions. Imagine that you become unable to work sometime within the next few weeks. You suffer an injury, and are treated for that injury appropriately. You are on the road to recovery, but it is going to be a relatively long period of time before you can resume your duties as a physical therapist. What will you do?
It all boils down to this…
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

Which planning option makes the most sense for you and your loved ones?

If you are like most people, you can cross number two off the list right away. After all, not many people have wealthy family members to begin with, and even fewer have family members who are willing to pay their bills for a period of time. With option number one, you are able to keep up with your bills – but only for so long. And, when you do get back to work, you’ll be faced with the long process of rebuilding your savings and/or retirement accounts. This is not a desirable option, to say the least.

Obviously, option number three is where you want to find yourself when an injury occurs. You’ll be able to pay your bills while not working, so you can focus fully on your recovery. With this plan, you don’t have to go begging to family members for money, and you don’t have to do any damage to your long-term financial future. With just a little bit of advance planning, you can be in a position to weather this kind of financial storm with ease.

It Needs to Be Right for You
The biggest thing you need to understand when purchasing disability insurance for physical therapists is that you need a policy that matches your needs perfectly. How much income will you need to replace? For how long would you like to receive your disability insurance as a physical therapist? How much can you afford to pay on a monthly basis for a premium? These questions all need answers.

In some cases, physical therapists will have some form of disability insurance through their employers, so that is a good place to start. You may already have short-term coverage without long-term protection, or vice versa.  As a physical therapist researching disability insurance you know what you are missing, you can shop for the other side of the equation to make sure you’re covered all the way around. This kind of policy is only going to give you the peace of mind you deserve if you take the time to make sure that it covers your needs properly.

By working with Disability Insurance Coach, you can be sure that your coverage makes sense. We’ll help you find the right policy for your needs, and we’ll take away much of the confusion and stress that frequently accompanies the insurance buying process. We appreciate the time you have taken on our site, and we hope you’ve found all the information you need to pick out the perfect policy.

Physical therapists have a difficult job, but it is one which provides a valuable service for many people. While you go about your day to day duties as a physical therapist, don’t put yourself at undue financial risk. Pick up disability insurance for physical therapists and cover yourself in case an injury happens to take you away from the job for a period of time. We wish you the best!

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