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Ironworker Disability Insurance

Why Get Ironworker Disability Insurance


Like blacksmiths, ironworkers are exposed to a lot of accidents, injuries, and risks. Some of the work-related accidents and injuries could result in a disability which could make it difficult or even impossible for the tradesperson to work.

A disabled ironworker who is unable to work may not earn an income to take care of himself and his loved ones. This could be difficult for the ironworker if he does not have a way to get back some of his income and that’s exactly why you need ironworker disability insurance.

With the right ironworker disability insurance, you will cover work-related accidents, injuries, and illnesses that could result in disability and get a portion of your income or salary during a disability. Ironworker disability insurance may cover you for either a short term or a long term.

While short term coverage might last up to a year, long term coverage may last up to the retirement age. You need to go through the policy document and decide the type of coverage you want for the ironworker DI. You can also ask your insurer some relevant questions to be sure you are taking out the right ironworker disability insurance.

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

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


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Ironworker Short Term Disability Insurance

If an injury or a disability lasts for some days, typically from 9 weeks to 52 weeks, you need ironworker short term disability insurance for comprehensive coverage. This type of disability insurance covers work-related disabilities and possible injuries. The policy may not cover every medical condition, so it makes sense to know how much coverage you have before opting for the ironworker disability insurance.

Ironworker Long Term Disability Insurance

Too often than not, it may take a long time for the ironworker to recover from a serious or critical disability. You need an ironworker long term disability insurance policy to cover such conditions. Usually, the long term disability insurance comes in when the short term disability runs out. This is usually the case if you have both short term and long term coverage in the same policy. To get the best coverage, it makes sense to shop around before choosing a policy for long term ironworker disability insurance.

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

What is Covered in Ironworker Accident Insurance?


Like most professions, the conditions covered by ironworker disability insurance may vary from one insurer to the other. Usually, ironworker DI covers work-related accidents and illnesses but it may also cover non-illnesses such as childbirth and pregnancy.

Furthermore, certain medical conditions may be covered by the disability insurance policy. As a matter of fact, if the tradesperson is diagnosed with a medical condition before the start date of the ironworker disability insurance, that condition will not be covered.

Ironworker Injury Insurance Coverage:

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

To learn more about ironworker 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 Ironworkers


Learn about Ironworker DI

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

 

    • International Association Of Bridge Structural & Ornamental Iron Workers – 7771 Snake Island Rd, Metcalfe, ON K0A 2P0 – (613) 821-7813

 

    • Ironworkers District Council Of Western Canada – 205 Chatelain Dr, St. Albert, AB T8N 5A5 – (780) 459-3389

 

    • International Associates Of Bridge Structural & Ornamental Iron Workers Local Union 725 – 6111 36 St SE, Calgary, AB T2C 3W2 – (403) 291-1300

 

    • International Association Of Iron Workers – 1138 Dewdney Ave E, Regina, SK S4N 1W2 – (306) 522-7932

 

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

Purchase Ironworker Disability Insurance in Minutes – Easy!


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

Purchasing ironworker 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 Ironworker Accident Insurance Statistics


Ironworkers work mainly in the construction industry or sector. Construction is a major industry in Canada and so it employs more than 1.2 million people. This number includes both men and women.

As of 2010, 7.1% of Canadians aged 15 and above work in the construction industry. Construction, like other sectors, has been affected by the unsteady economy. The overall employment in Canada decreased by 1.6 percent during the recession in 2008 – 2009 but employment in the construction sector reduced by 5.7 percent.

To learn more about ironworker accident insurance, click here.

Injuries Ironworkers Suffer From


The U.S Bureau of Labor Statistics classified ironworkers among the top ten most dangerous profession in the United States. In 2005 alone, 47 deaths for every 100,000 workers were recorded in the profession. You probably already know about the risk involved in your profession, so you need to take out ironworker disability insurance as soon as possible. With the right disability insurance, you will cover work-related disabilities and get up to 50 to 60 percent of your salary or income in the event of such a disability.

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

Falls from roof
Struck by falling beam
Struck by wire rope
Injury due to the collapse of structures
Falls from a flatbed trailer

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.

Ironworker Injury Insurance FAQ


Looking for ironworker disability insurance coverage?

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

Do I need an ironworker disability insurance policy?

As an ironworker, you need an ironworker disability insurance policy to cover work-related injuries and accidents. The policy will pay up to 50 to 60 percent of your salary in the event of a disability.

What should I expect in ironworker disability insurance benefit?

You should expect to get up to 60 percent in benefits from your ironworker disability insurance policy. The benefits obtainable from the policy may vary from one insurance provider to the other but generally, most insurers offer up to 50 to 60 percent in benefits.

How much is ironworker disability insurance premium?

Most ironworker disability insurance providers charge up to 1 to 3 percent of the gross annual income in disability insurance. However, the specific amount will vary from one insurer to the other.

What medical conditions cover for long-term ironworker disability insurance?

Several medical conditions, injuries, and disabilities may be covered by the ironworker disability insurance policy. Some of these 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 ironworker injury insurance, click here.

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