It's not just lifeguards. EMTs are injured constantly on the job, the vast majority of which are "suffered during patient treatment," of which almost all are slipped disks, damaged knees, crushed vertibrae and torn muscles received while trying to wrestle a fatty's bloated pre-carcass to save their lives.  How fucking idiotic is it to claim your condition affects no one else, when it literally cripples thousands of people trying to help people like you every year.  (Source: anecdotal information from 5 different, unrelated former EMTs I know, all of whom have at least 3-5 stories about being personally injured or crippled, or strories about people they personally know being injured or crippled by lardbarges.)