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Software Developer Disability Insurance

Why Get Software Developer Disability Insurance

Software development is a very lucrative profession, but the professional’s ability to work is his greatest asset. In other words, the software developer’s means of livelihood will be cut short if he’s disabled. No one intends to be disabled but it is necessary to protect yourself financially against the unexpected, you can do this by taking out software developer disability insurance.

Software developer disability insurance will provide you with financial assistance when you are unable to work. The right software developer disability insurance will provide comprehensive protection both for long-term and short-term disabilities. This will ensure that you will continue to provide for your family and take care of your loved ones.

Disability insurance providers differ in their rates and coverages. This is why you need to compare policy options and shop around for the best software developer disability insurance policy before choosing any coverage or plan. Rather than dedicating a lot of time to do this, you can contact Insurdinary to quickly get quotes from top insurers. When you contact Insurdinary, we will connect you to reliable insurance advisors who will guide you to choose the best software developer income replacement coverage.

To get a quote for software developer disability insurance, click here.

The Difference between Long- & Short-Term Software Developer Disability Insurance

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Software Developer Short-Term Disability Insurance

Short-term disability insurance is a type of disability insurance coverage that protects you for a short time against financial loss. The duration of a short-term disability insurance policy could be from 30 days to 1 year or even more. It generally depends on the pet insurance provider.

This type of disability insurance coverage comes in when the professional is not able to work for a short-term as a result of an illness, injury or accident.

Software Developer Long-Term Disability Insurance

In the event that you are unable to work for a long period of time, long-term software developer disability insurance may come in to protect you against financial loss. Various conditions can make a software developer unable to work for a long time. No matter the condition, you can get up to 60% of your salary through this type of disability insurance.

Furthermore, the duration of software developer long term disability insurance may differ from one insurance provider to the other but usually, it is 2 to 10 years or until the insured reaches 65.

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

What is Covered in Software Developer Accident Insurance?

Software developer DI will cover most types of injuries and accidents that could result in disability. However, it could also cover non-illnesses such as pregnancy and childbirth.

Like most insurance policies, some conditions might be excluded from software developer disability insurance. Typically, pre-existing conditions (medical conditions the professional is diagnosed for before the start date of the pet insurance coverage) are excluded from the policy.

Software Developer Injury Insurance Coverage:

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

To learn more about software developer 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 Software Developers

Learn about Software Developer DI

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


    • Canadian Information Processing Society – 1375 Southdown Road Unit 16 – Suite 802 Mississauga, ON L5J 2Z1 – (905) 602-1370


    • Information Technology Association of Canada – 220 Laurier Avenue West, Suite 1120 Ottawa, ON, K1P 5Z9 – (613) 238-4822


To learn more about software developer associations in Canada, click here.

Purchase Software Developer Disability Insurance in Minutes – Easy!

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

Purchasing software developer 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 Software Developer Accident Insurance Statistics

According to Statistics Canada, the operating revenue of software publishers increased from about $7.37 billion in 2013 to $10.1 billion in 2017. In the same period of time, the operating expenses increased from about $6.628 billion to $9.454 billion and also the salaries, wages, commissions, and benefits increased from $3.238 billion to $4.655 billion. However, the operating profit margin decreased from 10.1% to 6.4%.

To learn more about software developer accident insurance, click here.

Injuries Software Developers Suffer From

Software development is not a high-risk job. A software developer may not be exposed to certain kinds of occupational hazards like some other profession. However, there are occupational hazards and risks unique to this profession.

Here are some of the injuries common to the occupation:

Work-related musculoskeletal disorders
Repetitive strain injury
Eye strain
Heart disease
Lower respiratory diseases

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Software Developer Injury Insurance FAQ

Looking for software developer disability insurance coverage?

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

How does software developer disability insurance work?

Disability insurance replaces a portion of your income if you are unable to work due to a disability or illness. It provides wage replacement that covers up to 60 percent of your earnings.

What illness qualifies for long-term software developer disability insurance?

Several illnesses qualify for long-term disability. These include respiratory conditions like asthma or COPD, neurological disorders like cerebral palsy, Parkinson’s disease, epilepsy, and multiple sclerosis. Also, mental illnesses and immune system disorders may also qualify for long-term disability.

How much does software developer disability insurance cost per month?

No matter the type of disability insurance, the average cost is usually from 1 to 3 percent of your gross annual income. If your annual gross income is $100,000, you will pay from $1,000 to $3,000 per year in disability insurance.

How long can I claim long-term software developer disability insurance?

Long-term software developer disability insurance typically kicks in when short-term disability benefits end. It pays some percentage (about 50 to 60 percent) of your salary, depending on your policy. The benefits continue until you are healthy enough to return to work or until the number of years described in the policy.

To learn about software developer injury insurance, click here.

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