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Engineer Disability Insurance

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Find the best rates for engineer disability insurance with Insurdinary.

Why Get Engineer Disability Insurance


Engineers are exposed to a lot of injuries and accidents depending on where they work. Some injuries may be so serious that you might not be able to work for some days, weeks, months or years. This also means that you may not earn an income or salary for the period.

No one wishes to be injured but injuries can easily occur in engineering services. The best thing you can do is to take precautions against such injuries and you can do that by taking out engineer disability insurance. With the right disability insurance, you can get a portion of your income or salary in the event of a disability.

With lots of insurance companies out there, it is important to exercise caution when choosing one for engineer disability insurance. This is why it is advisable to shop around and compare policy options before choosing an insurer. Take advantage of Insurdinary’s extensive resources and guide to choose the right engineer DI. Insurdinary can connect you to reliable insurance advisors who will guide you to choose the right coverage.

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

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


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Engineer Short Term Disability Insurance

If a disability lasts for a short period of time, you need short term engineer disability insurance for adequate protection. Short term disability insurance provides comprehensive protection for a short period of time, usually less than 53 weeks or one year. This can provide coverage against illness, injuries, and accidents. Non-illness conditions such as childbirth and pregnancy may also be covered under this policy.

Engineer Long Term Disability Insurance

If an injury or illness is severe, it may result in a long term disability. You need long term engineer disability insurance to adequately cover such a condition. Long term disability insurance provides financial protection against illness and accidents that lasts for more than 2 years. It may also provide coverage until retirement or whenever you are healthy and ready to return to work. The waiting period of the engineer long term disability insurance is the longest duration of the short term disability.

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

What is Covered in Engineer Accident Insurance?


Insurance providers usually differ in the medical conditions they cover. However, most engineer disability insurance providers cover work-related accidents and illnesses, they may also cover non-illness conditions such as pregnancy and childbirth.

Also, certain medical conditions may be excluded from an engineer disability insurance policy. Usually, the policy will exclude pre-existing conditions which are medical conditions diagnosed before the policy’s start date.

Engineer Injury Insurance Coverage:

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

To learn more about engineer 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 Engineers


Learn about Engineer DI

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

 

    • Engineers Canada – 55 Metcalfe St, Ottawa, ON K1P 6L5 – (613) 232-2474

 

    • Ontario Society Of Professional Engineers – 4950 Yonge St #502, North York, ON M2N 6K1 – 416-223-9961

 

    • Association of Consulting Engineering Companies – 130 Albert St #420, Ottawa, ON K1P 5G4 – (613) 236-0569

 

    • Canadian Society for Civil Engineering – 300 Rue du Saint-Sacrement #521, Montréal, QC H2Y 1X4 – (514) 933-2634

 

    • Professional Engineers Ontario – 40 Sheppard Ave W Suite 101, North York, ON M2N 6K9 – (416)-224-1100

 

    • Association of Professional Engineers and Geoscientists of Alberta (APEGA) – 700 2 Street Southwest, Calgary, AB T2P 2W1 – (403) -262-7714

 

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

Purchase Engineer Disability Insurance in Minutes – Easy!


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

Purchasing engineer 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 Engineer Accident Insurance Statistics


As of 2015, there were 5.5 engineers per 1,000 individuals in Canada. Yukon had the highest proportion of Engineers in Canada (20.6 per 1,000 individuals), followed by Alberta (10.5 per 1,000 individuals) and Prince Edward Island had the least proportion of Engineers in Canada (1.8 per 1,000 individuals).

In actual numbers, there were 196,152 engineers in Canada and Ontario had the highest population of engineers (66,285), followed by Alberta (43,898), and then Quebec (42,895).

To learn more about engineer accident insurance, click here.

Injuries Engineers Suffer From


The type of engineering work you do will determine the injuries and accidents you could be exposed to. For instance, civil engineers could be exposed to different injuries from mechanical and electrical engineers. There is no denying of the fact that all engineering professions are exposed to one injury or the other. This is why it is important to take out engineer disability insurance to protect your income and salary.

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

Slips, trips, and falls
Muscle strains
Repetitive strain injuries
Struck by falling objects
Cuts and lacerations
Crashes and collisions
Exposure to loud noise
Inhaling toxic fumes, 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.

Engineer Injury Insurance FAQ


Looking for engineer disability insurance coverage?

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

Do I need an engineer disability insurance policy?

Yes. Engineers are exposed to a lot of risks and injuries. With engineer disability insurance, you can get a portion of your income or salary during a disability.

How much benefit is obtainable in engineer disability insurance?

The benefits of engineer disability insurance may vary with the insurance provider. However, most insurers offer up to 50 to 60 percent of your salary in benefits. For instance, if your salary is $50,000, you should expect from $25,000 to $30,000 in benefits.

What is the cost of engineer disability insurance?

The cost of insurance for engineer disability insurance may differ from one insurer to the other. However, most insurers will charge about 1 to 3 percent of your gross annual income. For instance, if your annual income or salary is $100,000, you should expect to pay from $1,000 to $3,000 in premium.

What injuries and illnesses are covered in engineer disability insurance?

Engineer disability insurance may cover several illness and injuries. Some of the most common medical conditions covered may include cancer, cerebral palsy, asthma, pain, anxiety, and so on. Talk to your insurer to find out the specific coverage that applies to your policy.

To learn about engineer injury insurance, click here.

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