Issue link: https://www.massageandbodyworkdigital.com/i/766890
The Injured LMT Rehabilitation of my elbow injury meant I stopped working and needed to spend money for additional therapies. How many MTs have the financial resources today to get by for several months if they have an injury that prevents them from working? How many have disability insurance? How do they afford additional therapies even if they do have good insurance? (Total bill for my surgeries and associated cost was about $40,000. Fortunately, physical therapy was covered by my insurance.) Without insurance, and an emergency fund set aside for just such an accident, a massage therapist could be financially devastated by an injury like mine. What Steps Can You Take Today? • Start building an emergency fund reserved for treatment of injuries. Even if you can put just a small amount away each month, begin today! And do not spend it unless you are injured. • When buying insurance, check into policies that have good coverage for physical therapy after injury. • Investigate buying disability insurance. 78 m a s s a g e & b o d y w o r k j a n u a r y / f e b r u a r y 2 0 1 7