Lawyers

Lawyers understand the importance of protecting their income
because they are their own small business. You have invested
a great deal of time and money towards becoming a practicing
attorney. You are your biggest investment, so if you are unable
to see clients or attend court proceedings then you will not be
able to earn an income.

Lawyers are one of the top occupation classes. What this basically
means is that you are able to get a individual disability policy
at one of the lower premium structures.

The top four health problems giving rise to disability claims
among lawyers are: musculoskeletal, back, cardiovascular, and
psychological. This mirrors the results of a U.S. Bureau of Census
study of all professions.

Lawyers are increasingly filing disability claims for both physical
ailments and mental disorders. For example, in Massachusetts, according
to claims sources, mental health and substance abuse disorders have
increased from 13 to 40 percent of all lawyers’ disability claims
during the last five years.*

* Mass. Lawyers File Claims for Disability, Both Physical and Mental, Workers Comp Executive,
May 27, 1998, Vol. 8, No. 10.