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Physical Therapist Disability Insurance

Why Get Physical Therapist Disability Insurance

Physical therapists can work in a lot of settings such as private practices, sports and fitness facilities, outpatient clinics, schools, home health agencies, hospitals and so on. The kind of injury a physical therapist might be exposed to depends on where he works.

Every profession has some occupational hazards associated with it. Some injuries might result in disability and disability could seriously affect your source of income. The ability of a physical therapist to work is his greatest asset and it determines how much he can make in a month or year. In other words, if the professional is unable to work, his source of income might be seriously affected.

The best way to protect your income is by taking out physical therapist disability insurance. With the right physical therapist income replacement plan, you can protect your income as long as you are unable to work. But how do you get the right physical therapist disability insurance? You usually need to compare countless policy options and shop around. Rather than doing it all by yourself, Insurdinary can connect you to reliable insurance advisors who will guide you to choose the best coverage.

To get a quote for physical therapist disability insurance, click here.

The Difference between Long- & Short-Term Physical Therapist Disability Insurance

disability insurance

Physical Therapist Short-Term Disability Insurance

You don’t have to lose your income even if you are disabled for a short time. This is where short-term physiotherapist disability insurance comes in. With short term physical therapy disability insurance, you can cover disabilities that last for 30 days to 1 year. The duration of the disability insurance depends on the insurer, some insurers may offer short-term physical therapist disability insurance that lasts more than one year.

Physical Therapist Long-Term Disability Insurance

Long-term disability insurance lasts longer than short-term disability insurance. In fact, long-term physical therapist disability insurance comes in when short-term disability insurance runs out.

However, the duration of long-term disability insurance depends on the insurer as well. For some insurer, this type of disability insurance will last until the insured is healthy enough to go back to work or until his 65th birthday.

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

What is Covered in Physical Therapist Accident Insurance?

Physical therapist DI could cover most work-related injuries, illness, and accidents common to the occupation. Physical therapist disability insurance Canada may also cover conditions not related to an illness such as pregnancy or childbirth.

In some cases, the insurer might exclude certain conditions from the physical therapist disability insurance coverage. Examples of such conditions include pre-existing conditions which are medical conditions diagnosed before the start date of the disability insurance policy.

Physical therapist Injury Insurance Coverage:

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

To learn more about physical therapist 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 Physical Therapists

Learn about Physical Therapist DI

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


    • Canadian Physiotherapy Association – 955 Green Valley Crescent Unit 270, Ottawa, ON K2C 3V4 – (613) 564-5454


    • Ontario Physiotherapy Association – 55 Eglinton Ave E, Toronto, ON M4P 1G8 – (416) 322-6866


    • Manitoba physiotherapist associations – 145 Pacific Ave, Winnipeg, MB R3B 2Z6 – (204) 925-5701


To learn more about physical therapist associations in Canada, click here.

Purchase Physical Therapist Disability Insurance in Minutes – Easy!

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

Purchasing physical therapist 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 Physical Therapist Accident Insurance Statistics

The role of physical therapists in promoting wellness and health has increased since 2014. The aging Canadian population and the rising per capital disposable income have resulted to a strong growth in the industry over the years. However, the shortage of physiotherapists in Canada has kept profit afloat.

The industry has about 7,896 businesses, 25,189 employments, up to $3 billion revenue and an annual growth of 4.5% within the duration.

To learn more about Canadian physical therapist statistics, click here.

Injuries Physical Therapists Suffer From

Physical therapists are professionals who treat people suffering from various kinds of injuries. But the professional himself or herself may develop an injury in the process. Some of the most common injuries are musculoskeletal pain and musculoskeletal disorders such as lower back pain.

Some of the injuries may result in a disability. This is why physical therapists need to take out physical therapist disability insurance to protect their income against such injuries.

Get the Lowest Rates on All Types of Insurance

Insurdinary has you covered no matter what. Shop online for the best insurance coverage and rates in Canada.

Physical Therapist Injury Insurance FAQ

Looking for physcial therapist disability insurance coverage?

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

Do physical therapists need disability insurance?

Yes. With disability insurance, physical therapists can protect their incomes against any form of disability that may occur due to work-related injuries. This will help the therapist to get up to 60% of his income even if he’s unable to work.

How much physical therapist disability insurance do I need?

Typically, a physical therapist needs disability insurance that amounts to about 60 percent of his net monthly income.

At what age does disability end?

Disability ends when you reach the retirement age, usually 65 years. At this age, you stop receiving disability benefits and you start receiving a retirement benefit. These are roughly the same amount of money.

What medical conditions cover for long-term physical therapist disability insurance?

Several medical conditions qualify for long-term physical therapist disability insurance. Examples include brain injuries, cancer, anxiety disorders, chronic pain, back injuries, asthma, bipolar disorder, cerebral palsy, etc.

To learn about physical therapist injury insurance, click here.

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