Carpenters can enjoy incredibly rewarding careers. You can choose to be a generalist carpenter, or you can specialize in any number of areas and niches. You get to exercise creativity and follow your passion, and in return, you earn an income that can range from $25,000 to $69,000 per year depending on your specific situation.
Of course, that income is vital – it goes to support your family and, in some cases, your business. You need a steady stream of reliable income to pay your mortgage, to make car loan payments, and to pay your utilities. You might also need to reinvest in equipment and tools, pay for marketing and more if you own your own business.
Securing a stable stream of income can be impossible if you become disabled, though. This is where carpenter disability insurance comes into play.
What Is Carpenter Disability Insurance?
Disability insurance is a type of insurance protection provided for working professionals. If you experience a qualifying disability and miss a minimum amount of work as a result, your insurer will pay you a monthly amount based on your average annual earnings. You can then use that money to meet your personal and professional obligations.
Do you really need carpenter disability insurance? Aren’t your risks covered by workers’ compensation insurance? If you’re injured on the jobsite, then you are probably covered, but what about injuries that occur at home, while you’re in town, or when you’re traveling? What about illnesses like cancer and heart disease? These are actually the leading causes of disability in the US.
Realizing the importance of having carpenter disability insurance is only half of the equation. You also need to find the right policy for your needs. That involves making an informed comparison between your options, which can be difficult or even impossible. We can help.
We give you quotes from all the major US insurers, and help you compare disability rates, costs, coverage areas and more. Our goal is to make sure you can choose the ideal disability insurance for your needs.
Call us today at 1-877-221-6198 or use the form on this page to obtain a free quote.
