Quote Originally Posted by gcoe View Post
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