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Teacher Disability Insurance

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Why Get Teacher Disability Insurance


As a teacher, you need to work in order to earn your income or salary. In other words, if a teacher is unable to work in a month, he/she may not earn a salary for that month.

What happens when a teacher is disabled and could not teach? Of course, you may get your position back when you are able to work but you will likely not get a salary for the period you are unable to work. This is why teachers should take out teacher disability insurance to protect their income and salary when they are unable to work.

Teacher disability insurance will pay you a percentage of your salary (usually 50 or 60 percent) if you are disabled. However, the features and benefits you will obtain from the disability insurance policy may differ from one provider to the other. If you want to get the best teacher DI, you need to take your time to shop around and compare policy options.

But you don’t have to spend all the time comparing policy options, you can contact Insurdinary for teacher income replacement plan. We will connect you to reliable insurance advisors who will guide you to choose the right teacher disability insurance available to Canadians.

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

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


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Teacher Short Term Disability Insurance

As the name implies, short-term teacher disability insurance provides financial protection to disabled teachers for a short period of time. The disability insurance coverage may last for more than 30 days but most last less than a year. As a matter of fact, the duration of the disability insurance will be stated in the policy document but it usually varies from one insurance provider to the other.

Teacher Long Term Disability Insurance

On the other hand, teacher long term disability insurance policy lasts more than one year, usually 2 to 10 years. Also, the duration will be stated in the policy document and could sometimes last until you are healthy enough to resume work or until the age of retirement (usually, at age 65). This type of teacher disability insurance policy will cover disabilities that could arise due to accidents, illnesses, and injuries.

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

What is Covered in Teacher Accident Insurance?


Teacher disability insurance covers any kind of injuries that the professional might be exposed to either due to an illness or an accident. Disability insurance might also provide coverage for pregnancy and childbirth.

Certain medical conditions might be excluded from the teacher DI coverage, a good example of such conditions include pre-existing conditions (medical conditions the teacher is diagnosed with before the start date of the disability insurance coverage).

Teacher Injury Insurance Coverage:

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

To learn more about teacher 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 Teacher


Learn about Teacher DI

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

 

    • Canadian Teachers’ Federation – 2490 Don Reid Dr, Ottawa, ON K1H 1E1 – (613) 232-1505

 

    • Alberta Teachers’ Association – 3010 18 Ave N, Lethbridge, AB T1H 5B7 – (403) 320-5531

 

    • Canadian Dental Association – 1815 Alta Vista Dr, Ottawa, ON K1G 3Y6 – (613) 523-1770

 

    • BC Teachers’ Federation – 550 W 6th Ave #100, Vancouver, BC V5Z 4P2 – (604) 871-2283

 

    • Nova Scotia Teachers Union – 3106 Joseph Howe Dr, Halifax, NS B3L 4L7 – (902) 477-5621

 

    • Saskatchewan Teachers’ Federation – 2317 Arlington Ave, Saskatoon, SK S7J 2H8 – (306) 373-1660

 

    • Newfoundland and Labrador Teachers’ Association – 3 Kenmount Rd, St. John’s, NL A1B 1W1 – (709) 726-3223

 

    • Northwest Territories Teachers’ Association – 5018 48 St, Yellowknife, NT X1A 2P7 – (867) 873-8501

 

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

Purchase Teacher Disability Insurance in Minutes – Easy!


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

Purchasing teacher 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 Teacher Accident Insurance Statistics


As of 2017, there are a total number of 732,100 professors, teachers, and counselors in Canada. The average number of hours taught by upper secondary school teachers (in grades 10 to 12) in 2014/2015 is 743 hours. However, the average hours worked by OECD countries is 662 hours.

To learn more about teacher accident insurance, click here.

 

Injuries Teachers Suffer From


Like other professionals, teachers face a lot of risks and workplace injuries. Some of the workplace injuries the professional might be exposed to could result in a disability which might make it difficult for the teacher to work. Every teacher should take out teacher disability insurance to protect his income and salary against any form of disability.

Here are common injuries teachers may suffer from:

Slip and fall accidents
Repetitive strain injuries
Toxic exposure
Stress and psychologic conditions
Violence
Injuries related to teaching subject

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.

Teacher Injury Insurance FAQ


Looking for teacher disability insurance coverage?

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

What benefits do teachers get in Ontario?

The benefit packages teachers receive may vary from one Canadian jurisdiction to the other. They may include maternity leave, dental insurance, cumulative sick leave, long-term disability insurance and so on.

How much teacher disability insurance do I need?

You should expect your teacher disability insurance benefits to cover up to 60 percent of your salary.

What medical conditions cover for long-term disability insurance?

Several medical conditions qualify for long-term teacher disability insurance. Examples include brain injuries, cancer, anxiety disorders, chronic pain, back injuries, asthma, bipolar disorder, cerebral palsy, etc.

How much should I pay for disability insurance?

The teacher disability insurance coverage should cost about 1 to 3 percent of your gross income for a year. If you are making $100,000 per year, you would pay $1,000 to $3,000 in the policy.

To learn about teacher injury insurance, click here.

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