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HR Specialist Disability Insurance

Why Get HR Specialist Disability Insurance


HR specialists are highly important in every organization, especially medium-sized and large enterprises. They recruit and manage the relevant workforce. However, the professionals can be exposed to some occupation-related medical conditions, injuries and accidents. Apart from the stress involved in the job, the professionals may also be at risk of musculoskeletal injuries which could result in a disability. This is why you should take out HR specialist disability insurance.

With HR specialist disability insurance, you will cover work-related medical conditions and get a portion of your salary or income in the event of a disability. All disability insurance policies are not created equal. To get the best policy, it is necessary to shop around. However, when shopping around, you need to consider the policy’s limits, exclusions, benefits, premium and waiting period. Rather than searching tirelessly for the best policy, you could take advantage of Insurdinary’s resources and services.

When you contact Insurdinary, we will connect you to reliable insurance advisors who will guide you to choose the right coverage for Canadians.

To get a quote for HR specialist disability insurance, click here.

The Difference between Long- & Short-Term HR Specialist Disability Insurance


disability insurance

HR Specialist Short Term Disability Insurance

HR specialist short term disability insurance provides financial coverage and protection for a short period of time, usually one year or less. The policy usually covers work-related medical conditions but it may also cover non-illnesses such as pregnancy and childbirth. It is easy to make a claim on the policy, however, this depends on the insurer but you need to make sure that the injury, accident or medical condition is in line with the policy.

HR Specialist Long Term Disability Insurance

A long term HR specialist disability insurance may cover you for life; in such a case, it would stop at the retirement age, usually age 65. Just like short term policies, long term HR specialist disability insurance may provide coverage against work-related medical conditions, accidents, and illnesses and it may also cover critical illnesses such as cancer, brain injuries, heart disease, and so forth. Long term policies may have a waiting period, however, if you have short term disability in your policy, the waiting period for your long term disability may be the longest duration of your short term disability.

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

What is Covered in HR Specialist Accident Insurance?


Make no mistakes, no HR specialist disability insurance policy would cover every medical condition. Policies usually have exclusions and there may be limitations. For instance, pre-existing conditions are usually excluded from HR specialist DI. In other words, you will not be covered for a condition if you are diagnosed with that condition before the start date of the HR specialist disability insurance.

It is important to find out the scope of the policy and the medical conditions covered before taking out the policy. Work-related medical conditions are covered in most cases but certain critical illnesses may also be covered. This depends on the insurer and it may vary from one insurer to the other.

HR Specialist Injury Insurance Coverage:

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

To learn more about HR specialist 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 HR Specialists


Learn about HR Specialist DI

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

 

    • Chartered Professionals in Human Resources of BC & Yukon – 1111 W Hastings St #1101, Vancouver, BC V6E 2J3 – (604) 684-7228

 

    • Human Resource Institute of Alberta – 105 12 Ave SE #990, Calgary, AB T2G 1A1 – 403-209-2420

 

    • Human Resources Professionals Association – 150 Bloor St W #200, Toronto, ON M5S 2X9 – (416) 923-2324

 

    • Chartered Professionals in Human Resources of Manitoba – 1810-275 Portage Ave, Winnipeg, MB R3B 2B3 – (204) 943-2836

 

To learn more about HR specialist associations in Canada, click here.

Purchase HR Specialist Disability Insurance in Minutes – Easy!


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

Purchasing HR specialist 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 HR Specialist Accident Insurance Statistics


There are approximately 14,650 people working as human resources and recruitment officers in the Ontario region. 40% of these HR officers work in management and administrative services, 6% work in other professional, scientific and technical services, while another 6% work in federal government public administration.

90% of the human resources officers in the Ontario region work full-time and just 21% of them work part-time. In addition, 68% of human resources and recruitment officers work throughout the year and only 32% work part of the year. Furthermore, 8% of HR specialists in Ontario are self-employed.

To learn more about HR specialist accident insurance, click here.

Injuries HR Specialists Suffer From


The injuries human resource specialists may be exposed to will depend on where they work. Some HR specialists may be exposed to slip and fall accidents more than others, while some others may be at risk of musculoskeletal injuries and accidents. Also, repetitive stress injuries may be a problem with some HR specialists. No matter where you work and the conditions you are exposed to, the best way to protect yourself is by taking out HR specialist disability insurance. This will pay a portion of your salary or income if you become disabled and unable to do your job.

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.

HR Specialist Injury Insurance FAQ


Looking for HR specialist disability insurance coverage?

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

Can I cancel long-term HR specialist disability insurance?

Yes. You can cancel an HR specialist disability insurance policy. If you have already paid a premium, you may be able to request a prorated refund. It is important to note that you will no longer make claim on the policy if you have canceled it.

How much should I pay for disability insurance?

The amount you will pay in premium could vary from one insurance provider to the other. However, most Canadian insurers charge about 1 to 3 percent of the insured’s gross annual income in premium.

Do HR specialists need disability insurance?

Yes. As an HR specialist, you need to take out HR specialist disability insurance to cover occupation-related medical conditions and ailments. You may be able to get up to 60% of your salary or income in benefits.

How long does long term HR specialist disability insurance last?

Although the duration of HR specialist long term disability insurance may vary with the insurance provider, most insurance companies may be able to provide coverage up to the age of retirement (age 65). If you are disabled for a period of time, the policy might cover you until you recover and return to your job.

To learn about HR specialist injury insurance, click here.

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