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Pharmacist Disability Insurance

Why Get Pharmacist Disability Insurance

Pharmacists in Canada can earn up to CAD$95,000 per year, however, the professional’s source of income will be seriously affected in the event of a disability. Some disabilities may make you completely unable to work. This not only affects your profession but it will also have an immense effect on your family. Without your source of income, you may not be able to take care of your family and loved ones.

Although no one wants to be disabled, it is important to get covered against the unexpected. If you want to be financially protected, you need to take out pharmacist disability insurance to secure your income against disabilities.

Certain injuries and conditions might make you unable to work for a few days or months. In such a case, you need short term pharmacist disability insurance. Long-term disability insurance comes in to protect you if you are disabled for a long time.

No matter your profession and the kind of disability insurance you want, it is important to compare policy options and shop around in order to choose the best coverage. This is very important especially with so many providers offering pharmacist DI. Rather than doing it all by yourself, you could take advantage of the resources Insurdinary provides. When you call Insurdinary, we will connect you to reliable insurance advisors who will guide you to choose the best pharmacist income replacement plan.

To get a quote for pharmacist disability insurance, click here.

The Difference between Long- & Short-Term Pharmacist Disability Insurance

disability insurance

Pharmacist Short Term Disability Insurance

In the event that you are unable to work for a short period of time, short-term disability insurance will protect you from financial loss by paying a percentage of your salary. This provides coverage for disability due to illnesses, accidents, and injuries.

Although the duration of the short-term disability insurance may vary from one insurance provider to the other, for most insurance companies, short-term pharmacist disability insurance may cover you from 30 days to one year if you are unable to work. You can find out the coverage duration from your insurer.

Pharmacist Long Term Disability Insurance

If you are not able to work for long, typically 2 to 10 years, pharmacist long-term disability insurance may come handy to provide sufficient coverage. As a matter of fact, long-term disability insurance takes over when short-term disability insurance ends. It pays a percentage of your salary, usually 60 percent.

The duration of long-term pharmacist disability insurance also varies from one insurance company to the other. For some, it is 2 to 10 years and for others, it may be effective until the insured reaches the age of 65.

To learn more about pharmacist long term disability insurance, click here.

What is Covered in Pharmacist Accident Insurance?

Just like most professions, pharmacist disability insurance will cover injuries that may occur as a result of illnesses or accidents. However, non-illnesses such as pregnancy and childbirth may also be covered under disability insurance.

Furthermore, pre-existing conditions (medical conditions the professional is diagnosed for before the start date of the pharmacist disability insurance policy), may not be covered under the policy.

Pharmacist Injury Insurance Coverage:

Coverage for total disability
Partial disability benefits
Retraining benefits and recovery benefits
Pharmacist disability insurance coverage for mental illness
Pharmacist hygienist disability insurance coverage for pregnancy
Survivor benefits
Compassionate disability

To learn more about pharmacist accident insurance, click here.

Be Prepared for Anything, No Matter Where You Work

You don’t have to lose your salary because of a disability. Get disability insurance today to make sure you are covered wherever you work.

Canadian Institutes for Pharmacists

Learn about Pharmacist DI

There are a number of pharmaceutical associations and institutes in Canada. Here are a few of such associations.


    • Canadian Pharmacists Association – 1785 Alta Vista Drive Ottawa, ON K1G 3Y6 – (613) 523-7877


    • Ontario Pharmacists Association – 155 University Ave #600, Toronto, ON M5H 3B7 – (416) 441-0788


    • Alberta Pharmacists’ Association – Suite 1725, Canadian Western Bank Place, 10303 Jasper Avenue Edmonton, AB T5J 3N6 – (780) 990-0326


    • College of Pharmacists of Manitoba – 200 Tache Avenue, Winnipeg, MB R2H 1A7 – (204) 233-1411


    • Pharmacy Association Of Nova Scotia – 170 Cromarty Dr, Dartmouth, NS B3B 0C2 – (902) 422-9583


    • Newfoundland & Labrador Pharmacy Board – 488 Water St, St. John’s, NL A1E 1B3 – (709) 753-5877


    • New Brunswick Pharmacists Association Inc – 212 Queen St, Fredericton, NB E3B 1A8 – (506) 459-6008

To learn more about pharmacist associations in Canada, click here.

Purchase Pharmacist Disability Insurance in Minutes – Easy!

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Finding the best pharmacist disability insurance is easy with Insurdinary. Simply sign up, get quotes sent directly to your inbox, and buy your perfect plan online.

Purchasing pharmacist disability insurance should be the least of your worries. Get quotes now to protect your income and salary!


Step 1 – Get Quotes

Answer a few questions about your occupation to get quotes sent straight to you.

Step 2 – Compare Rates

Compare plans and prices from top level disability insurance providers.

Step 3 – Buy Online

Choose a plan and buy the perfect insurance plan in minutes.

Canadian Pharmacist Accident Insurance Statistics

There is a total of 44,697 licensed pharmacists working in 10,682 community pharmacies and 493 in-patient hospital pharmacies in Canada, making a total of 11,175 pharmacies. 70 percent of those work in community pharmacies, 15 percent in hospitals and the remaining 15 percent work in governments, colleges, associations, universities, and pharmaceutical industries.

There is a total of 42,623 licensed practicing pharmacists and 8,864 licensed pharmacy technicians.

To learn more about pharmacist accident insurance, click here.

Injuries Pharmacists Suffer From

Although pharmacists are not exposed to certain kinds of occupational hazards, there are occupational hazards and risks involved in pharmaceutical work. In fact, some of these risks could result in injuries that will lead to disability. This is why you should take out pharmacist disability insurance for financial coverage against such injuries.

Some of the injuries might include the following:

Slips, falls, and trips
Cuts and burns
Repetitive motion
Sprains and strains
Eye strain
Psychological hazards
Biological hazards

Get the Lowest Rates on All Types of Insurance

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Pharmacist Injury Insurance FAQ

Looking for pharmacist disability insurance coverage?

Learn more about how to get the best price pharmacist disability insurance online by checking out the Frequently Asked Questions below.

What is pharmacy jurisprudence?

Pharmacists are required to understand Canada’s law on pharmacy practices. This includes the ethics of professional practice and dispensing drugs. This aspect of pharmacy is known as jurisprudence.

Who is eligible for pharmacist disability insurance benefits in Canada?

To qualify for pharmacist disability insurance benefits, it is required that your income will be reduced by at least 40 percent. You must also be employed by a qualifying employer and you must have already earned up to 600 hours of insurable employment.

How does disability insurance work in Canada?

Disability insurance replaces about 60 to 85 percent of your regular income up to a stated maximum amount for a given period of time.

What medical conditions qualify for long-term pharmacist disability insurance?

Several medical conditions qualify for long-term pharmacist disability insurance in Canada. Examples include back injuries, cancer, anxiety disorders, asthma, chronic pain, cerebral palsy, bipolar disorder, and so on.

To learn about pharmacist injury insurance, click here.

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