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Professional
If you work as a professional then you know how valuable you are. Some disability policies - especially group disability - only cover total disability or will not pay a benefit if you can still work in another field. For a professional, this is not an ideal option. Professional disability products can cover you for your field of work and can offer a benefit if you can still work, but your injury or illness reduces your income.
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General
Are you a professional with a labour-intensive career? It is probably more likely that a disability will take you off the job completely even though you may still be able to work at a desk. Don't compromise what you love doing because of an accident or illness. Similar to professional coverage, you can get coverage that will pay if you cannot do your job in your field.
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High Risk
There are some professions that are high-risk in nature and are difficult to insure. If you feel that the risk of injury at work or at play is quite high, you can still find coverage. There are even coverage options for people who have pre-existing illnesses and may not be eligible for traditional disability insurance.
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