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Equipment Operator Disability Insurance

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Find the best rates for equipment operator disability insurance with Insurdinary.

Why Get Equipment Operator Disability Insurance


A lot of skills and experiences are required to operate heavy equipment like dozers, loaders, graders, mixers, excavators and so on. The machines also require physical ability to operate. In other words, you may not be able to work effectively as a heavy equipment operator if you are disabled.

Disability can make you unable to work in virtually every profession, including operating heavy equipment. Sadly, equipment operators are exposed to a lot of work-related injuries which could result in a disability. Rather than losing your income or salary because of a disability, you could take out equipment operator disability insurance.

It is important to research your operations before choosing an equipment operator disability insurance policy. By researching and comparing various policy options, you will be able to choose affordable coverage that offers better benefits and features.

To get a quote for equipment operator disability insurance, click here.

The Difference between Long- & Short-Term Equipment Operator Disability Insurance


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Equipment Operator Short Term Disability Insurance

Short-term disability insurance provides coverage for a short period of time, typically from 9 to 52 weeks. This is necessary to cover temporary disabilities; this could include disabilities due to most work-related injuries or accidents. Furthermore, the exact duration of short-term disability insurance could vary from one insurance provider to the other.

Equipment Operator Long Term Disability Insurance

Equipment operator income replacement coverage could provide long-term coverage. This may be useful to cover permanent disabilities that could last for a life-time. Some equipment operator long term disability insurance may cover you until retirement, while some will cover for some years. It is necessary to read the equipment operator disability insurance policy to know how much coverage you have or the duration of the coverage.

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

What is Covered in Equipment Operator Accident Insurance?


While the coverage for disability insurance may vary with the policy and plan, most equipment operator disability insurance covers work-related accidents, injuries, and illnesses. It is important to read the policy document to know what it covers.

Some medical conditions might be excluded from the disability insurance policy. Pre-existing conditions are a good example of conditions that might be excluded from the policy. As a matter of fact, if you are diagnosed with a medical condition before the policy’s start date, the condition will not be covered by the policy..

Equipment Operator Injury Insurance Coverage:

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

To learn more about equipment operator 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 Equipment Operators


Learn about Equipment Operator DI

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

 

    • International Union of Operating Engineers – 350 Sparks St, Ottawa, ON K1R 7S8 – (613) 567-5544

 

    • International Union Of Operating Engineers Local 793 – 2245 Speers Rd, Oakville, ON L6L 6X8 – (905) 469-9299

 

    • International Union of Operating Engineers Local 955 – 17603 114 Ave NW, Edmonton, AB T5S 2R9 – (780) 483-0955

 

    • Operating Engineers Of Manitoba Local 987 – 244 Cree Crescent, Winnipeg, MB R3J 3W1 – (204) 786-8658

 

To learn more about equipment operator associations in Canada, click here.

Purchase Equipment Operator Disability Insurance in Minutes – Easy!


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

Purchasing equipment operator 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 Equipment Operator Accident Insurance Statistics


New job openings for heavy equipment operators (except crane) are expected to total 22,300 over the period 2017 – 2026 while 21,800 new job seekers are expected to fill jobs. The 2015 Labor Force Survey in Canada shows that 7% of equipment operators are self-employed, 97% of them work full-time, and 3% of the workers are women.

To learn more about equipment operator accident insurance, click here.

Injuries Equipment Operators Suffer From


Heavy equipment operators are exposed to a lot of risks, accident, and injuries. The operators are expected to employ a lot of safety tips and precautions to prevent these risks and injuries but this does not guarantee that you won’t be injured. The best thing to do is to take out equipment operator disability insurance. With the right coverage, you will get a portion of your salary or income in the event of a disability.

Here are some injuries common to equipment operators:

Spinal cord injuries
Head and neck injuries
Concussions
Broken bones
Cuts and lacerations
Electrical burns
Severed limbs
Digit amputation, 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.

Equipment Operator Injury Insurance FAQ


Looking for equipment operator disability insurance coverage?

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

Do equipment operators need disability insurance?

Yes. Equipment operators are exposed to all kinds of risks related to their occupation. By taking out equipment operator disability insurance, you can get a portion of your salary or income (usually 50 to 60 percent) in the event of a disability.

How much do I get in disability benefit from equipment operator disability insurance Canada?

You will get about 50 to 60 percent of your salary in disability benefit from equipment operator disability insurance. For instance, if your salary is $100,000, you will get from $50,000 to $60,000 in benefit.

How much do I pay in premium in equipment operator disability insurance?

You should expect to pay about one to three percent of your gross annual income in equipment operator disability insurance. For instance, if you are making $100,000 in a year, you will pay from $1,000 to $3,000 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, cancer, anxiety disorders, chronic pain, back injuries, asthma, bipolar disorder, cerebral palsy, etc.

To learn about equipment operator injury insurance, click here.

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