Insure my hands

[lazyphysio]

I was just wondering if anyone knew anything about insuring your hands as a physiotherapist. At the end of the day they are the toold of our trade and I was wondering if its possible to insure them in case of injury etc..

Thanks

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[Fyzzio]

That's funny.

Why only your hands??? My legs/ shoulders/ back are just as improtant for that job, not even thinking about first and foremost ... my brain!!!!

Check insurances for "income protection".

Regards,
Fyzzio

[aprilandy]

you made me think about insuring your hand? what's with your hand and why is it only your hand? all parts of our body is very important.

[nikole95.7]

That's funny.

Why only your hands??? My legs/ shoulders/ back are just as improtant for that job, not even thinking about first and foremost ... my brain!!!!

Check insurances for "income protection".

Regards,
Fyzzio

I was just wondering if anyone knew anything about insuring your hands as a physiotherapist. At the end of the day they are the toold of our trade and I was wondering if its possible to insure them in case of injury etc..


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[Fyzzio]

Hi,
as I said before, ... those things are covered by "Income protection insurances".

But I still don't get, why you think that our hands are the only tools of our trade. Do you think you would be able to work with a fractured shoulder? - Traumatic Brain Injury? - Osteoarthritis in your elbow? - Spinal injury? - Lung cancer? - ...

Regards,
Fyzzio

[lazyphysio]

The reason I asked about hands was that I've been getting sore hands, in particular thumbs, recently. You have a point, why not insure everything? But accidents/injury happen, it's impossible to live in a bubble and protect ourselves from everything! I was just simply wondering about hands because as a manual therapist I use my hands all the time and with repetitive strain I feel injury will occur and if that does happen, I was just curious to see if there was some sort of insurance out there which will give me some sort of compensation ie a quick op or something -maybe private healthcare would be a better option?! As we all know, waiting around for an op in the NHS could take several months.

[Fyzzio]

Point taken. Thanks.

As we all know, waiting around for an op in the NHS could take several months.

... no, we don't all know that.

Well, here in NZ you would be better off with a private health insurance = use private surgeon/ hospital and bypass the public waiting list. But then, every health system is different.
Why don't you contact an Insurance Broker? They should be able to give you the best options.

Regards,
Fyzzio

[Sole Man]

I know some American companies do offer massage insurance, not sure if the same applies everywhere else though... An insurance company will insure anything, if you pay them enough!

[gcoe]

It might be worth contacting the CSP or the private practice arm of it - whichever is relevant to you. As this is a welfare issue for members so they may be able to advise you about the various insurance options, companies and experiences of other members.

BTW if you are developing hand pain or disorders have you investigated what you can do prevention wise and ergonomically? This is a major occ health problem for MSK physios.
Most disorders and injuries arising in manual therapists are not going to be fixed by surgery and physios do often face erly retirement or major change in approach or career because of this. However there are a number of strategies that have been developed over the years.

[LifeGuy.com]

It might be worth contacting the CSP or the private practice arm of it - whichever is relevant to you. As this is a welfare issue for members so they may be able to advise you about the various insurance options, companies and experiences of other members.

BTW if you are developing hand pain or disorders have you investigated what you can do prevention wise and ergonomically? This is a major occ health problem for MSK physios.
Most disorders and injuries arising in manual therapists are not going to be fixed by surgery and physios do often face erly retirement or major change in approach or career because of this. However there are a number of strategies that have been developed over the years.

Yes, insuring your hands should concern everyone who uses their hands at their job. Just as important are all the other body parts, since many illnesses and injuries can keep you from working. Disability insurance is the product you need, and is relatively affordable, depending on your type of occupation, age, health status. For example, last client who is a massage therapist, female age 35, insured her ability to work for $1000 benefit per month, paying only $25 premium per month. You need to speak to an experienced insurance agent who specializes in income protection with disability insurance. Look for own-occupation definition of disability on your policy, which will continue to pay benefits even if you work in another occupation, while disabled (unable to work in your own original occupation).

InsureYourHands (at) LifeGuy (dot) com