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Bus Driver Disability Insurance

Why Get Bus Driver Disability Insurance


Bus drivers are exposed to several bus accidents and injuries such as head injuries, traumatic brain injuries, facial lacerations, spinal cord injuries and so forth. Some of these injuries could result in a disability which could make it difficult or impossible for the bus driver to do his job. This is why you need to take out bus driver disability insurance.

With bus driver disability insurance, you can get a portion of your income or salary in the event of a disability or a serious injury. However, the exact amount you could get in benefit may vary from one insurance company to the other. Some insurance companies pay up to 50 to 60 percent of the insured’s salary in benefits.

To choose the best insurance providers, it is necessary to shop around and compare policy options before deciding on a policy to go with. Contact Insurdinary for bus driver disability insurance available to Canadians. When you contact Insurdinary, we will connect you to reliable insurance advisors who will guide you to choose the right coverage suitable for you.

To get a quote for bus driver disability insurance, click here.

The Difference between Long- & Short-Term Bus Driver Disability Insurance


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Bus Driver Short Term Disability Insurance

Some injuries and incidents may make it difficult for you to work for some period of time. If you are disabled for a short period (about one month to one year), you need short term bus driver disability insurance for effective protection and coverage. This type of disability insurance usually covers work-related accidents, illness, injuries, and even non-illnesses. The duration of the coverage may depend on the insurer and it could vary from one insurer to the other.

Bus Driver Long Term Disability Insurance

In the event of a serious injury, accident or illness, you need a policy that provides robust coverage for a long period of time. This is where long term bus driver disability insurance comes in. This type of disability insurance may even cover you until retirement or whenever you are healthy and ready to return to work. If you also have short term coverage in your policy, your bus driver long term disability insurance will become effective when your short term coverage ends.

To learn more about bus driver long term disability insurance, click here.

What is Covered in Bus Driver Accident Insurance?


Since bus drivers are exposed to a lot of injuries, bus driver disability insurance is usually designed to cover those injuries, accidents, and illnesses. However, the exact conditions covered by the policy may vary with the insurance company. Before taking out a policy, it is important to find out what is covered and what is not covered. This will help you to choose comprehensive coverage.

Furthermore, bus driver disability insurance may also cover non-illnesses such as pregnancy and childbirth. Also, not all medical conditions are covered by the policy. For instance, if the driver is diagnosed with a medical condition before the policy’s start date, the condition could be excluded from the coverage and will not be covered.

Bus Driver Injury Insurance Coverage:

Coverage for total disability
Partial disability benefits
Retraining benefits and recovery benefits
Bus driver disability insurance coverage for mental illness
Bus driver disability insurance coverage for pregnancy
Survivor benefits
Compassionate disability

To learn more about bus driver accident insurance, click here.

Be Prepared for Anything, No Matter Where You Work


You don’t have to lose your salary because of a disability. Get disability insurance today to make sure you are covered wherever you work.

Canadian Institutes for Bus Drivers


Learn about Bus Driver DI

There are a number of bus driver associations and institutes in Canada. Here are a few of such associations.

 

    • Ontario School Bus Association – 3075 Lenworth Dr, Mississauga, ON L4X 2G3 – (416) 695-9965

 

To learn more about bus driver associations in Canada, click here.

Purchase Bus Driver Disability Insurance in Minutes – Easy!


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Finding the best bus driver disability insurance is easy with Insurdinary. Simply sign up, get quotes sent directly to your inbox, and buy your perfect plan online.

Purchasing bus driver disability insurance should be the least of your worries. Get quotes now to protect your income and salary!

 

Step 1 – Get Quotes

Answer a few questions about your occupation to get quotes sent straight to you.

Step 2 – Compare Rates

Compare plans and prices from top level disability insurance providers.

Step 3 – Buy Online

Choose a plan and buy the perfect insurance plan in minutes.

Canadian Bus Driver Accident Insurance Statistics


The safest means of travel for children and youth has always been school buses. Even though children have traveled at least 6 billion times (600 million pupil-trips per year and 3,400,000 pupil-trips per day), only 0.3 percent of all collisions resulting to death or personal injury in Canada involved school buses.

Over the period 1995 to 2004, collisions involving school buses has resulted in the death of only 142 people and only 5 of these fatalities were bus passengers. School buses accounted for 9,405 injuries over the 10 year period (an average of 941 injuries per year), 25,252 collisions, 4,872 personal injuries and so on.

To learn more about bus driver accident insurance, click here.

Injuries Bus Drivers Suffer From


Bus drivers are often exposed to a lot of hazards and injuries. Common sources of injuries include unsafe road conditions, mechanical faults, poorly maintained buses, driver exhaustion and so forth. As such, bus drivers may suffer several injuries and some of the injuries could be devastating and serious. This is why you should take out bus driver disability insurance.

Some of the occupational hazards and injuries associated with bus drivers include the following:

Slip and fall accidents
Traumatic brain injuries
Facial lacerations and fractured bones
Neck injuries and burn injuries
Spinal cord injuries, etc.

Get the Lowest Rates on All Types of Insurance


Insurdinary has you covered no matter what. Shop online for the best insurance coverage and rates in Canada.

Bus Driver Injury Insurance FAQ


Looking for bus driver disability insurance coverage?

Learn more about how to get the best price bus driver disability insurance online by checking out the Frequently Asked Questions below.

Do I need disability insurance as a bus driver?

Yes. If you are a bus driver, you need to take out bus driver disability insurance to cover work-related accidents, injuries, and disabilities. This will pay a portion of your income or salary if you become disabled.

How much does bus driver disability insurance pay in benefits?

The amount you could receive in bus driver disability insurance benefits may vary from one insurer to the other. However, most insurance companies will pay up to 50 to 60 percent of your salary in benefits.

How much premium should I expect to pay for bus driver disability insurance?

You should expect to pay from 1 to 3 percent of your gross annual income or salary in disability insurance. For instance, if your annual salary is $100,000, you should expect to pay from $1,000 to $3,000 in premium.

What conditions are covered in bus driver disability insurance?

Bus driver disability insurance may cover several medical conditions, accidents, illness, and even non-illnesses. Some of the medical conditions covered in bus driver long term disability insurance include cancer, chronic pain, mental disorders, cerebral palsy, and many other serious conditions.

To learn about bus driver injury insurance, click here.

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