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HVAC Tech Disability Insurance

Why Get HVAC Tech Disability Insurance


Heating, ventilation and air conditioning systems are now vital components of most homes in Canada. These systems require regular maintenance and could also breakdown after some period of usage. This is where the service of HVAC technicians come in.

HVAC technicians are trained to maintain, service and repair HVAC systems. Their services are in high demand in hotels, family homes, offices, large industries and any other place where HVAC systems are used and needed.

As an HVAC technician, you should prioritize your health and safety. If you are seriously injured or disabled, you may not be able to work for a long time and, therefore, you may not get an income or salary for that period.

This could be a very difficult situation and it would even be more difficult if you have a family to cater for. The best way to protect your income is to take out HVAC tech disability insurance. By taking out HVAC tech DI, you will cover injuries and disabilities related to your occupation and get a portion of your salary if disabled.

Rather than searching aimlessly for HVAC tech disability insurance, you could take advantage of the extensive resources provided by Insurdinary. Contact Insurdinary for the best HVAC tech accident insurance. When you contact Insurdinary, we will connect you to reliable insurance advisors who will guide you to choose the best coverage.

To get a quote for HVAC tech disability insurance, click here.

The Difference between Long- & Short-Term HVAC Tech Disability Insurance


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HVAC Tech Short Term Disability Insurance

Some injuries are not so severe or serious and so they may not last for a very long time, you need HVAC tech short term disability insurance for such disabilities. With the short term disability insurance, you will cover work-related injuries covered by the policy in order to get a portion of your salary in the event of a disability. The short-term HVAC tech disability insurance may last from 30 days to one year, depending on the insurance policy.

HVAC Tech Long Term Disability Insurance

HVAC tech long term disability insurance is usually an extension of the short term policy. If you have both short term and long-term disability in your coverage, your long-term coverage will commence as soon as the short-term HVAC tech disability insurance ends. The long-term disability insurance may last until retirement or whenever the insured is healthy and able to return to work. Some insurers may also have a shorter duration for the policy; so, you need to find out the coverage duration from your insurer.

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

What is Covered in HVAC Tech Accident Insurance?


HVAC tech disability insurance coverage may vary from one insurance provider to the other. It is advisable for the professional to read the policy document to know how much coverage he has in the policy.

Typically, the policy covers disabilities due to most injuries, illnesses, and accidents common to the occupation. It may also cover non-illnesses such as pregnancy and childbirth.

Usually, certain medical conditions might be excluded from the HVAC tech disability insurance. Pre-existing conditions (medical conditions diagnosed before the policy’s start date) are usually excluded from the coverage.

HVAC Tech Injury Insurance Coverage:

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

To learn more about HVAC tech 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 HVAC Techs


Learn about HVAC Tech DI

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

 

    • Ontario Refrigeration & Air Conditioning Contractors Association – 133 Milani Blvd, Woodbridge, ON L4H 3B5 – (905) 670-0010

 

    • Heating, Refrigeration and Air Conditioning Institute of Canada (HRA) – 2350 Matheson Blvd E #101, Mississauga, ON L4W 5G9 – (800) 267-2231

 

To learn more about HVAC tech associations in Canada, click here.

Purchase HVAC Tech Disability Insurance in Minutes – Easy!


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

Purchasing HVAC tech 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 HVAC Tech Accident Insurance Statistics


There are approximately 14,250 HVAC technicians in the Ontario region. Most of the technicians work in the construction sector (74 percent). 94 percent of the technicians work full-time, while only 6 percent work part-time.

Furthermore, 71 percent of the HVAC technicians in the Ontario region work throughout the year, whereas only 29 percent work only part of the year. Also, 11 percent of the technicians are self-employed compared to 12 percent for all occupations.

To learn more about HVAC tech accident insurance, click here.

Injuries HVAC Techs Suffer From


Working on HVAC systems is a very dangerous profession. The risks and dangers associated with the profession range from exposure to harmful chemicals to falling from a height. Although the technician is expected to apply precautions and safety tips, it is better to be protected against unexpected incidents.

Some of the occupational hazards and injuries associated with HVAC tech includes the following:

Shoulder and neck injuries
Heavy lifting strains
Hand injuries, 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.

HVAC Tech Injury Insurance FAQ


Looking for HVAC tech disability insurance coverage?

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

Do HVAC technicians need disability insurance?

Yes, HVAC technicians need disability insurance to cover work-related disabilities. HVAC tech disability insurance will pay from 50 to 60 percent of your salary if disabled.

What should I expect in HVAC tech disability insurance benefit?

HVAC tech disability insurance may pay up to 50 to 60 percent of your income or salary in the event of a disability. The amount you should expect in disability benefit for HVAC tech DI depends on the insurer. You can contact your insurer or read the policy documents to find out.

How much is HVAC tech disability insurance premium?

HVAC tech disability insurance premium may vary from one insurer to the other. However, most insurers charge a premium from 1 to 3 percent of your income. For instance, if your income is $50,000, you should expect to pay from $500 to $1,500 in disability insurance premium.

What medical conditions cover for long-term HVAC tech disability insurance?

The policy document usually states the medical conditions covered by the HVAC disability insurance. Common disabilities and injuries covered by long-term disability include cancer, brain injury, chronic pain, anxiety disorder, cerebral palsy, bipolar disorder, asthma, etc.

To learn about HVAC tech injury insurance, click here.

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