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Researcher Disability Insurance

Why Get Researcher Disability Insurance


Researchers are of utmost importance in every society. There are lots of research institutes in Canada dedicated to paving a new path to technologies and sciences. However, a researcher should be in the best physical and mental health to do his job. In the event of a physical or mental disability, you may not be able to work as a researcher and therefore, you may not earn an income or salary. This is why you should consider taking out researcher disability insurance.

With researcher disability insurance, you will get up to 50 to 60 percent of your income or salary in the event of a disability. To get the best benefits, it is necessary to compare various policy options and shop around to choose the best coverage. Contact Insurdinary for the best research DI available to Canadians. Insurdinary can connect you to reliable insurance advisors who will guide you to choose the right coverage for you.

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

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


disability insurance

Researcher Short Term Disability Insurance

Researcher disability insurance may either be short term or long term. Short term researcher disability insurance provides financial protection for a short period of time, usually less than one year. The disability insurance may cover work-related accidents, illness, and injuries, it can also cover non-illnesses such as pregnancy and childbirth.

Researcher Long Term Disability Insurance

Long term researcher disability insurance covers your finances for a long period of time, usually, until the insured is healthy enough to return to work. This type of disability insurance may cover work-related accidents, injuries, and illnesses, it may also cover non-work related conditions. Researcher long term disability insurance may last until retirement or whenever the insured is healthy and ready to return to work. Before taking out the policy, make sure you research your options and choose for the coverage with the best features and benefits.

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

What is Covered in Researcher Accident Insurance?


Several medical conditions, accidents, illnesses, and injuries may be covered by researcher disability insurance. Usually, work-related accidents and illnesses are covered by the policy. The policy may also cover non-illnesses such as childbirth and pregnancy.

Researcher DI may exclude certain medical conditions. For instance, pre-existing conditions (medical conditions the researcher is diagnosed for before the policy’s start date) are usually excluded from the policy.

Researcher Injury Insurance Coverage:

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

To learn more about researcher 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 Researchers


Learn about Researcher DI

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

 

    • Canadian Association of Research Libraries – 309 Cooper St #203, Ottawa, ON K2P 0G5 – (613) 482-9344

 

    • Mackenzie Applied Research Association – 5901 River Rd, Fort Vermilion, AB T0H 1N0 – (780) 927-3776

 

    • Chinook Applied Research Association – Hiway, 41 E, Oyen, AB – (403) 664-3777

 

    • North Peace Applied Research Association – 116 4 Ave SW, Manning, AB T0H 2M0 – (780) 836-3354

 

    • Lakeland Agricultural Research Association – Township Rd 615, Fort Kent, AB T0A 1H0 – 780-826-7260

 

    • Canadian Association of Research Administrators – 1710-350 Albert Street Ottawa, Ontario K1R 1B1 – (905) 902-8074

 

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

Purchase Researcher Disability Insurance in Minutes – Easy!


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

Purchasing researcher 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 Researcher Accident Insurance Statistics


There are approximately 5,350 people working as Mathematicians, statisticians and actuaries in the Ontario region.

33% of these professionals work in Insurance Carriers and related activities, 18% work in other professional, scientific and technical services, 17% work in federal government public administration, while 8% work in monetary authorities.

More than 95% of these professionals work fulltime and less than 5% work part-time. 74% work all year round and only 26% work part of the year. Less than 5% of them are self-employed, compared to 12% for all occupations.

To learn more about researcher accident insurance, click here.

Injuries Researchers Suffer From


A researcher could work in several sectors and institutions. The place where they work determines the kind of injuries and conditions they could be exposed to. Some occupational injuries common to researchers could result in a disability which could make it difficult for them to work. This is why you should take out researcher disability insurance. With the right researcher disability insurance, you could get a portion of your salary or income in the event of a disability.

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.

Researcher Injury Insurance FAQ


Looking for researcher disability insurance coverage?

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

As a researcher, do I need a disability insurance policy?

Yes. You need researcher disability insurance to cover work-related accidents, illness, and injuries. The policy will pay a portion of your salary or income in the event of a disability.

What is the benefit amount in researcher disability insurance?

You can get up to 50 to 60 percent of your income or salary in benefit from the researcher disability insurance. The specific amount you will get may vary from one insurer to the other.

How much is a researcher disability insurance premium?

Most researcher disability insurance providers charge from 1 to 3 percent of your gross annual salary in premium. For instance, if your salary is $50,000, you should expect to pay from $1,500 to $3,000 in premium.

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

Several medical conditions, injuries, and disabilities may be covered by the researcher 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 researcher injury insurance, click here.

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