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Laborer Disability Insurance

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Find the best rates for laborer disability insurance with Insurdinary.

Why Get Laborer Disability Insurance


Depending on the type of work they do, laborers may be exposed to oodles of injuries and accidents. Sadly, most laborers do not have suitable disability insurance coverage to compensate them in the event of occupational injuries and diseases.

According to the World Health Organization, 70 percent of workers do not have such coverage. This is sad especially in consideration of the fact that laborers are involved in a high-risk occupation. Without suitable laborer disability insurance, you may not get a salary or an income as long as you are disabled.

Most employers do not pay employees who are unable to work due to work-related accidents or injuries. The good news is that you can help yourself by taking out laborer disability insurance. With laborer DI, you will get up to 50 to 60 percent of your salary if disabled.

Before taking out laborer disability insurance, make sure you shop around and compare policy options in order to choose the best coverage. With several insurance companies in Canada, comparing policy options could be difficult. You can take advantage of Insurdinary’s extensive guide to get quotes from top providers in Canada on laborer disability insurance.

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

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


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Laborer Short Term Disability Insurance

Short term disability insurance will provide financial coverage for a short period of time. It usually precedes laborer long term disability insurance. Depending on the insurer, this type of disability insurance may cover you from 30 days to 1 year. Furthermore, short term disability insurance covers disabilities, accidents, and injuries common to the occupation.

Laborer Long Term Disability Insurance

As the name implies, long term laborer disability insurance provides coverage for a long period of time. Typically, it may cover you for more than 2 years. Some insurers may even provide long term laborer disability insurance until retirement or whenever the insured is healthy enough to return to work. Before purchasing your policy, make sure you read through to know how much coverage you have. The plan may cover most of the ailments, injuries or diseases common to the occupation.

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

What is Covered in Laborer Accident Insurance?


Laborer disability insurance may cover several medical conditions. In fact, the exact conditions covered by the policy may differ from one insurer to the other. In general, laborer DI covers work-related injuries and ailments but it may also cover non-illnesses such as childbirth and pregnancy.

The policy may not cover every medical condition. As a matter of fact, some conditions may even be excluded from the laborer DI. Pre-existing conditions are a good example of conditions that are often excluded from the policy.

Laborer Injury Insurance Coverage:

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

To learn more about laborer 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 Laborers


Learn about Laborer DI

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

 

    • Labourers International Union – 330 Industrial Rd, Cambridge, ON N3H 4R7 – (519) 653-3333

 

    • Labourers International Union of North America – 44 Hughson St S, Hamilton, ON L8N 2A7 – (905) 529-1116

 

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

Purchase Laborer Disability Insurance in Minutes – Easy!


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

Purchasing laborer 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 Laborer Accident Insurance Statistics


Laborers are mostly employed in the construction and factory industries. Statistics from the Association of Workers’ Compensation Board of Canada (AWCBC) show that a lot of accidents took place in the construction industry in 2015.

According to the data, 7199 accidents with lost time occurred in British Columbia, 5309 occurred in Quebec, 4632 in Ontario, 4429 in Alberta, 1923 in Manitoba, and 1046 in Saskatchewan.

To learn more about laborer accident insurance, click here.

Injuries Laborers Suffer From


Laborers who work in construction and factory industries are exposed to a lot of accidents and injuries. Some of the injuries could result in a disability which could make it difficult for the laborer to work. This is why you need laborer disability insurance to cover work-related injuries and accidents common to the occupation.

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

Amputation injuries due to getting caught in a machine.
Illness from exposure to toxic substances
Spinal cord injuries due to falls or machinery malfunctions
Respiratory problems
Skin disorders
Hearing loss and vision loss, 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.

Laborer Injury Insurance FAQ


Looking for laborer disability insurance coverage?

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

I am a laborer, do I need laborer disability insurance?

Yes. Laborers are involved in high-risk jobs and so it is important to take out laborer disability insurance. This will help you to cover work-related accidents, illnesses, and disabilities.

How much should I expect in laborer disability insurance benefit?

Laborer disability insurance provides benefits up to 50 to 60 percent of your gross annual salary. However, the exact benefit may vary from one insurer to the other and it is usually stated in the policy document for your coverage.

How much will I pay in laborer disability insurance?

While the insurance premium may vary from one insurance provider to the other, most insurers in Canada charge about 1 to 3 percent in premium. Since various insurers may charge different premiums, it is advisable to shop around to get a more affordable policy.

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

Laborer disability insurance covers several injuries, accidents, and disabilities. Some of these illnesses 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 laborer injury insurance, click here.

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