How Disability Insurance Protects Your Income (Case Study: Physiotherapist)

What happens if you get sick or injured and lose your ability to work after investing tens of thousands into your education and career?

If you are a self-employed professional or business owner and want to make sure your income is properly protected, book a Discovery meeting here:https://safepacific.com/discovery-schedule

That is exactly the risk Mark (name changed), a 35-year-old self-employed Canadian physiotherapist, wanted to avoid. He had recently made a major career shift, taken on roughly $100,000 in student debt, and was earning about $80,000 to $100,000 per year. No spouse, no kids. Just full responsibility for his own financial security.

In this video, Laurent Munier, Partner and Advisor at Safe Pacific, walks through a real case study showing how we structured the right kind of disability insurance to protect Mark’s income, keep costs reasonable, and leave room for future growth.

If you are a business owner or high-income professional, especially if you are self-employed or in a hands-on occupation, this video is for you.

00:16 – Meet Mark: self-employed physiotherapist (case study)
00:45 – The setup: career shift and approximately $100,000 in student debt
01:12 – Why this matters: no dependents, but income is everything
01:32 – The core problem: what if he cannot work as a physiotherapist?
01:57 – What he needed: coverage, budget ($100 to $300 per month), and flexibility
02:25 – Why disability insurance is essential for hands-on professionals
02:38 – The challenge: balancing debt, cashflow, and coverage needs
03:12 – Budget reality: protecting income without overspending
03:44 – Why limited savings makes disability insurance even more critical
04:17 – Own-occupation coverage: the non-negotiable detail
04:42 – Future flexibility: increasing coverage as income grows
05:13 – Why disability insurance comes first: protection before aggressive investing
06:01 – The solution: a customized disability plan for a physiotherapist
06:53 – The policy: $3,000 per month tax-free to age 65
07:06 – Own-occupation explained and why it changes everything
07:45 – Future Income Option rider: increase coverage later without medical underwriting
08:36 – The cost: $150 per month using a new graduate discount
09:04 – Additional layers: partial and residual disability benefits
09:35 – Benefit period to age 65 and why it matters
09:54 – Claims support: using your own physician
10:29 – The outcome: a foundation for long-term financial security
11:00 – Why disability insurance is not optional for serious financial planning
12:13 – Avoiding low-cost policies that fail when you need them
14:14 – Long-term impact: stability, flexibility, and sustained wealth momentum
16:23 – The Safe Pacific framework: protection, savings, then investing
20:34 – Final takeaway: protect your number one asset, your ability to earn
21:18 – Work with Safe Pacific: contact and booking options
21:42 – Help the video reach more Canadians by liking, subscribing, and commenting

• Your ability to earn income is often your most valuable asset, especially if you are self-employed.

• For hands-on careers, own-occupation coverage can be the difference between being protected and being forced into any available job.

• A well-designed plan includes future insurability so coverage can grow alongside your income without new medical underwriting.

• Disability insurance is not flashy, but it is the foundation that keeps the rest of your financial plan intact.

If you are self-employed, incorporated, or a high-income professional and want a disability insurance plan built around your occupation and budget, we can help.

Book a Discovery meeting here:
https://safepacific.com/discovery-schedule

If you found this case study helpful, like the video, subscribe to the channel, and share it with someone who is building their career and wants to protect it.