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Therapist Disability Insurance

Why Get Therapist Disability Insurance

The word “therapist” can refer to a number of different professionals such as psychologists, psychiatrists, life coaches, social workers, marriage counselors and so forth. These are knowledge workers who need to be in the best mental and physical health to function effectively.

If a therapist is disabled either mentally or physically, he may not be able to perform optimally in his job. In a situation where you are unable to work due to a disability, you still need to earn an income or salary in order to take care of important things in your life. This is why you need to take out therapist disability insurance.

With the right therapist DI, you can earn up to 60 percent of your income when disabled even though you are unable to work. The cost of therapist disability insurance policy may vary with the provider but usually, it is 1 to 3 percent of your gross annual salary.

To get the best benefits and features, you need to take out therapist disability insurance for the best insurance providers. This is where the services provided by Insurdinary becomes very helpful. We can connect you to reliable insurance advisors who will guide you to get quick quotes and choose the best therapist income replacement plan.

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

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

disability insurance

Therapist Short Term Disability Insurance

Short-term disability insurance lasts only for a short term. However, the term “short-term” is relative and depends on the insurance provider. For some insurance providers, the duration of the short-term disability insurance is about 30 days to 6 months and for some others, it is up to a year.

Therapist Long Term Disability Insurance

Therapist long-term disability insurance policy provides coverage for a long period of time. Just like short-term therapist disability insurance, the duration of the long-term disability insurance will depend on the insurance provider and it could last for 2 to 10 years. In most cases, the insurance provider can provide the disability benefit until the insured is healthy enough to return to work or until he reaches the age of retirement.

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

What is Covered in Therapist Accident Insurance?

Disabilities due to several injuries, illnesses, and accidents are covered by therapist disability insurance policies. However, non-illnesses such as childbirth and pregnancy may also be covered under the policy.

In the event that a medical condition is diagnosed before the start date of a therapist disability insurance policy, such medical condition, otherwise known as a preexisting condition, may not be covered under the policy.

Therapist Injury Insurance Coverage:

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

To learn more about 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 Therapists

Learn about Therapist DI

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


    • Canadian Professional Counsellors Association – 3306 32nd Ave #203, Vernon, BC V1T 2M6 – (250) 558-3323


    • Canadian Association Of Occupational Therapists – 34 Colonnade Rd N #100, Nepean, ON K2E 7J6 – (613) 523-2268


    • Canadian Athletic Therapist Association – 400 5 Ave SW, Calgary, AB T2P 0L6 – (888) 509-2282


    • Canadian Psychiatric Association – 141 Laurier Ave W #701, Ottawa, ON K1P 5J3 – (613) 234-2815


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


    • Ontario Psychological Association – 21 St Clair Ave E Suite 403, Toronto, ON M4T 1L8 – (416) 961-5552


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


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

Purchase Therapist Disability Insurance in Minutes – Easy!

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

Purchasing 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 Therapist Accident Insurance Statistics

A total of about 8,800 establishments were established in the therapy industry in 2016. 99.6 percent of these businesses have about 0 to 99 employees. Financial data for the industry indicates an average revenue of $238,400 and 94.2 percent profitability.

To learn more about therapist accident insurance, click here.


Injuries Therapists Suffer From

Therapists play a vital role in helping people suffering from mental and emotional distress and several other conditions to recover easily. They also diagnose and treat speech, hearing and language problems. However, the therapists themselves may suffer from injuries that could result in a disability.

Here are injuries common to therapists:

Low back pain and musculoskeletal pains
Emotional burnout
Stress, etc.

To learn more about therapist injury insurance, click here.

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.

Therapist Injury Insurance FAQ

Looking for therapist disability insurance coverage?

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

Is long-term disability insurance the same as social security disability insurance?

Social security disability insurance (SSDI) is different from long-term disability insurance. Being approved of SSDI benefits could take a long process, so long-term disability insurance is important. It takes an average of five months to get approval for SSDI and the first six months you are disabled are not eligible for the SSDI benefits.

How much therapist disability insurance do I need?

As a therapist, you need therapist disability insurance that pays good benefits. The benefits available in the policy depends on the provider but you can get disability benefits up to 60%.

What medical conditions cover for long-term disability insurance?

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

How much should I pay for disability insurance?

Therapist disability insurance could cost up to one to three percent of your gross income or salary per year. In other words, if you are making $50,000 in a year, you will pay from $500 to $1,500 in disability insurance.

To learn about therapist injury insurance, click here.

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