Disability Insurance for Physical therapists: Risk Class, Cost & Definitions
Physical therapist disability cover: class 4, $65–$120/month, own-occupation yes. Underwriting notes and what to ask for.
Physical therapist sits in class 4 with individual disability premiums around $65–$120 a month. Own-occupation coverage is yes. Physical demands noted but class stays professional.
Underwriting profile
| Factor | Value |
|---|---|
| Risk class | Class 4 |
| Typical premium | $65–$120 |
| Own-occupation | Yes |
| Occupation group | Medical |
| Underwriting note | Physical demands noted but class stays professional |
Insurers price by the physical demands of the work and the replaceability of your income. physical therapist falls into class 4, which sets both the base rate and how much of your income they will insure.
What to ask for
- Definition: insist on own-occupation — it is available at standard rates for this class.
- Mental/nervous cap: check whether claims are limited to 24 months.
- Income proof: Physical demands noted but class stays professional
- Riders: residual disability and future purchase options matter more than cost-of-living for most buyers.
For this occupation, the practical strategy is to lock coverage early: premiums are set by age and health class at underwriting, and a later diagnosis can make the same policy unavailable or far more expensive.
How much cover to buy
Carriers typically insure 50–70% of gross income. For physical therapist, that means documenting income cleanly and then layering an individual policy on top of any group benefit, because group cover is taxable and disappears with the job.
Physical therapist: class 4, $65–$120 a month, own-occupation yes. Lock the definition while you are young and healthy.