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Carpenter Disability Insurance

Why Get Carpenter Disability Insurance

Carpenters are skilled craftsmen who cut, shape and install wooden structures. Although a lot of skills and knowledge are required for carpentry work, the professional’s working ability is his greatest asset. A carpenter needs to work in order to earn an income or a salary; he may not earn an income or salary if he’s unable to work. This is why you should take out carpenter disability insurance.

By taking out carpenter disability insurance, you will be able to protect your income. This will help you to get a percentage of your salary when you are unable to work. Usually, most carpenter disability insurance providers provide benefits up to 50 to 60 percent of the carpenter’s annual salary.

If your annual salary is $50,000, your carpenter DI should pay you benefits from $25,000 to $30,000. But the disability benefits you get depend on the carpenter disability insurance policy you go for. Call Insurdinary to get free quotes from top providers. When you contact Insurdinary.ca, we will connect you to reliable insurance advisors who will guide you to choose the best carpenter income replacement plan.

To get a quote for carpenter disability insurance, click here.

The Difference between Long- & Short-Term Carpenter Disability Insurance

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Carpenter Short Term Disability Insurance

Short-term disability insurance policy is a kind of carpenter disability insurance that pays a percentage of your income in the event of temporary disability. This type of disability insurance covers disability up to one year, depending on the insurance provider and the plan. The disability coverage could be as short as 30 days for some insurers, so you need to read the policy document to know what is obtainable in the policy.

Carpenter Long Term Disability Insurance

Unlike short-term disability insurance, carpenter long term disability insurance provides financial protection for a long period of time, usually up to the age of retirement – 65 years of age. Some insurers might make the duration as short as 10 years or whenever you are healthy enough to return to work. The policy will cover disabilities due to accidents, illnesses, and injuries.

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

What is Covered in Carpenter Accident Insurance?

Most types of accidents or illness that could result in disability are covered by carpenter disability insurance. However, the policy might also cover conditions that are not really an ailment such as pregnancy and childbirth.

Furthermore, some medical conditions might be excluded from carpenter disability insurance; pre-existing conditions are such conditions. If you are diagnosed with a medical condition before the start date of the carpenter disability insurance policy, such condition will probably not be covered by the policy.

Carpenter Injury Insurance Coverage:

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

To learn more about carpenter 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 Institute for Carpenters

Learn about Carpenter DI

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


    • Carpenters’ District Council of Ontario – 222 Rowntree Dairy Rd, Woodbridge, ON L4L 9T2 – (905) 652-4140


    • United Brotherhood-Carpenters – 15210 123 Ave NW, Edmonton, AB T5V 0A3 – (800) 272-7905


    • Alberta Regional Council of Carpenters and Allied Workers – 15210 123 Avenue, Edmonton, AB T5V 0A3 – (780) 474-8599


    • British Columbia Regional Council of Carpenters – 2750 Quadra St #210, Victoria, BC V8T 4E8 – (250) 383-8116


To learn more about carpenter associations in Canada, click here.

Purchase Carpenter Disability Insurance in Minutes – Easy!

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

Purchasing carpenter 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 Carpenter Accident Insurance Statistics

New job openings for carpenters are expected to total 27,800 over the period 2017 to 2026 and 29,700 new job seekers are expected to fill the position. The job seekers are expected to arise from mobility, immigration workers and school leavers.

The 2015 Labor Force Survey in Canada showed that 17% of carpenters were self-employed but an average of 14% was self-employed in all professions. Furthermore, 95% of carpenters worked full-time but on average 81% of all professionals worked full-time.

To learn more about carpenter accident insurance, click here.

Injuries Carpenters Suffer From

Carpenters can suffer from several injuries related to their profession. A study on the carpenters in northwestern Vermont showed that workers have an annual injury rate of 13.3 to 17.2 per 100 workers. While some injuries may not result in a disability, some others might. Disability might make it difficult or impossible for you to earn an income or salary. This is why you should take out carpenter disability insurance.

Here are injuries common to carpenters:

Hand and finger injuries
Back injuries
Knee injuries
Severe eye injuries
Concussions and traumatic brain injuries
Repetitive stress and overuse injuries
Cancers and lung diseases

To learn about carpenter injury insurance, click here.

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.

Carpenter Injury Insurance FAQ

Looking for carpenter disability insurance coverage?

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

How much carpenter disability insurance do I need?

Typically, a carpenter needs disability insurance that amounts to about 50 to 60 percent of his net monthly income.

Do carpenters need disability insurance?

Yes. Carpenters are exposed to a lot of risks and injuries. As such, the professional needs to take out carpenter disability insurance to protect his finances and salary against any form of disability.

How much should I pay for disability insurance?

Whether short or long-term, disability insurance would typically cost about 1 to 3 percent of your gross annual income. In other words, if you are making $50,000 in a year, you will pay from $500 to $1,500 in disability insurance.

What medical conditions cover for long-term disability insurance?

Several medical conditions qualify for long-term disability insurance. Examples include brain injuries, anxiety disorders, cancer, chronic pain, asthma, back injuries, bipolar disorder, cerebral palsy, etc.

To learn about carpenter injury insurance, click here.

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