9 Types of Professionals Who Need Long Term Disability Insurance

One of the most important aspects of life is having enough money to support yourself and your family. However, to make money or even keep working, you must be able to perform at a high level physically, mentally, and emotionally. 

In this article, we will discuss some types of professional that would need long-term disability insurance to survive financially during times when they are unable to work due to injury or illness:

  1. Physicians

Physicians are at a high risk for disability because they often perform physically demanding work that can lead to injury. 

If a physician suffers from an on-the-job injury she will need long term disability insurance to protect her income while she recovers from the injury. 

If you are a physician looking for a long term disability policy, contact Physicians Thrive for help. 

  1. Dentists

Dentists are at risk of losing their ability to earn a living due to an accident or illness. 

Dentists need to have a lot of training, and can’t just go back to school if they lose their license. 

This means that without long term disability insurance, dentists who lose their ability to work will not be able to support themselves financially.

  1. Nurses

Nurses work in a medical environment where there are sharp instruments and chemicals that can cause serious injuries. They also need to lift patients, which requires strength. 

Nurses can get injured by patients who become violent when angry over an illness or injury, or from someone who comes into contact with them after receiving treatment without washing their hands first or wearing gloves. 

Nurses may need long-term disability insurance if they get injured on or off the job in order to provide for themselves and their families while they recover from their injuries.

  1. Pharmacists

Pharmacists are in a high-risk category for disability. Pharmacists face a variety of risks that can cause them to become disabled, including back injuries and carpal tunnel syndrome. 

They also have to lift heavy objects on a regular basis, as well as stand for long periods of time at their job. For these reasons, pharmacists should consider getting long term disability insurance.

  1. Attorneys

The fact is that most attorneys are self-employed and so do not receive any benefits from their law firm—including paid leave during an extended illness or disability.

Attorneys have been found to be at high risk for mental health problems compared to other professions, such as depression, anxiety, and substance abuse. 

Along with these mental health issues, attorneys are often injured on the job—such as through car accidents while traveling between hearings—and yet another reason why long term disability insurance is essential.

  1. Architects

Architects are at risk of losing their income if they can’t work. They are vulnerable to injuries on the job or by accidents, and many architects may also have health problems that keep them from working.

Architects who have long term disability insurance can feel less worried about the future, knowing that they are taken care of if they get hurt.

  1. Engineers

If you’re an engineer, you’re in high demand. Engineers are paid well and can make a difference in the world. 

However, they often work in dangerous environments and they often work long hours. 

Engineers also work in remote locations, which means there’s no guarantee their employer will be able to provide them with disability benefits if they get injured on the job.

  1. Computer programmers

Computer programmers are at risk of repetitive stress injuries that can cause carpal tunnel syndrome. 

Programmers spend a lot of time at their desks, often working through the night and on weekends, so they need to be able to work long hours in order to succeed. 

In addition to being able to put in the hard work required by this career, programmers need to think creatively and solve problems every day.

But programmers that aren’t able to work, can’t be creative or productive, and they also can’t make a paycheck. This is where long term disability kicks in. 

  1. Actuaries

Actuaries are professionals who use mathematical and statistical methods to assess risk. They work in the insurance industry, but they also work in the banking industry, healthcare industry, and government agencies. 

Actuaries often use their extensive knowledge of statistics to price products and determine how much money a company should set aside for unforeseen financial losses or expenditures.

You’d think that these professionals would know how important it is to get protected with long term disability insurance. 


As you can see, the need for high-quality long term disability insurance is not limited to certain professions. It’s a vital part of every worker’s financial security, as well as their ability to stay healthy for years to come. 

In fact, one of the most important things about this type of coverage is that it can help prevent long term disability by paying out benefits while you are still working and paying into your plan.

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