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Construction Worker Disability Insurance

Why Get Construction Worker Disability Insurance

Construction workers are, sometimes, called laborers but they are indispensable as far as construction work is concerned. These professionals wield their working ability and creativity to build structures, bridges, and several other constructions works.

Obviously, a construction worker needs to be in the best state of health (both physically and mentally) to do his job. If he’s disabled, a construction worker may not deliver a perfect job or he may not even be able to work at all.

Rather than losing your income and salary because of disability, you can take out construction worker disability insurance to protect your finances against disabilities. Before taking out a construction worker DI, it is important to research various policy options and choose the best coverage. Take advantage of the extensive resources provided by Insurdinary.ca for the best construction worker income replacement.

To get a quote for construction worker disability insurance, click here.

The Difference between Long- & Short-Term Construction Worker Disability Insurance

disability insurance

Construction Worker Short Term Disability Insurance

Short-term disability insurance provides coverage only for a short period of time, usually less than a year. Most short-term construction worker disability insurance lasts from 9 to 52 weeks. The coverage pays a portion of your income or salary in the event that you are unable to work due to a disability. This type of disability insurance covers most disabilities that arise from work-related illness, accident or injury.

Construction Worker Long Term Disability Insurance

Construction worker disability insurance may last for a long period of time as well. In such a case, we have construction worker long-term disability insurance. Just like short-term disability insurance, long-term construction worker disability insurance covers disabilities due to work-related injuries and accidents. The policy might provide coverage until the retirement age (age 65) and some insurers might provide coverage until the professional is healthy enough to return to work.

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

What is Covered in Construction Worker Accident Insurance?

Most types of disabilities are covered by construction worker disability insurance, especially if the disability is caused by work-related accidents and illness. Some policies cover pregnancy and childbirth.

Furthermore, some conditions might be excluded from the construction worker disability insurance. Pre-existing conditions are a good example of conditions usually excluded from the coverage.

Construction Worker Injury Insurance Coverage:

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

To learn more about construction worker 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 Construction Workers

Learn about Construction Worker DI

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


    • Canadian Construction Workers Union – 1170 Sheppard Ave W #51, North York, ON M3K 2A3 – (416) 762-1010


    • I B E W Construction Council of Ontario – 61 International Blvd, Etobicoke, ON M9W 6K4 – (416) 674-6940


    • Northeastern Ontario Construction Association – 257 Beatty St, Sudbury, ON P3C 4G1 – (705) 673-5619


    • Construction and General Workers’ Union Local 92 – 370 Macalpine Crescent, Fort McMurray, AB T9H 4B1 – (780) 791-6557


    • Alberta Construction Association – 18012 107 Ave NW, Edmonton, AB T5S 2J5 – (780) 451-2152


    • BC Construction Association – 401 – 655 Tyee Rd, Victoria, BC V9A 6X5 – (250) 475-1077


    • Construction Association of Nova Scotia – 134 Eileen Stubbs Ave #103, Dartmouth, NS B3B 0A9 – (902) 468-2267


    • Saskatchewan Construction Association – 320 Gardiner Park Crt, Regina, SK S4V 1R9 – (306) 525-0171


    • Newfoundland & Labrador Construction Association – 397 Stavanger Dr #202, St. John’s, NL A1A 0A1 – (709) 753-8920


    • Construction Association of P E I – 40 Enman Crescent, Charlottetown, PE C1E 1E6 – (902) 368-3303


To learn more about construction worker associations in Canada, click here.

Purchase Construction Worker Disability Insurance in Minutes – Easy!

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

Purchasing construction worker 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 Construction Worker Accident Insurance Statistics

As a major industry in Canada, construction employs over 1.2 million people (including men and women). 7.1 percent of Canadians 15 years and above worked in the construction industry in 2010. The topsy-turviness of the economy has an impact on employment in construction. When overall employment reduced by 1.6 percent during the 2008 – 2009 recession, employment in construction decreased by 5.7 percent.  Similarly, when the economy blossomed in 2010, employment in construction improved by 4.9%.

To learn more about construction worker accident insurance, click here.

Injuries Construction Workers Suffer From

Construction work is a high-risk job; it involves a lot of risks and several injuries can result in the process. The injuries may range from burns to electrocution. It is very important to take out construction worker disability insurance to protect your finances against disabilities.

Here are a few of the injuries common to construction workers.

Eye injury (vision impairment and blindness)
Knee and ankle injury
Broken bones
Head or brain injury
Neck, back or shoulder injury
Spinal cord injury resulting in paraplegia or quadriplegia
Illness due to exposure to toxic chemicals, 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.

Construction Worker Injury Insurance FAQ

Looking for construction worker disability insurance coverage?

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

Do construction workers need disability insurance?

Construction workers need disability insurance most than most other professionals. A lot of risks and dangers are involved in construction work and so you need to take out the right construction worker disability insurance to avoid losing your salary or income in case of a disability.

How much benefit do I expect to get from construction worker disability insurance?

The disability benefit varies with the policy. Most policies pay up to 50 or 60 percent of your salary or income. For instance, if your salary is $100,000, the construction worker disability insurance will pay up to $50,000 or $60,000.

What is the premium for construction worker disability insurance?

Construction worker disability insurance would typically cost about 1 to 3 percent of your gross annual income. In other words, if you are making $100,000 in a year, you will pay from $1,000 to $3,000 in disability insurance.

What are the medical conditions covered by 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 construction worker injury insurance, click here.

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