Why Your Landscape Architect Income Matters
As a landscape architect, you work with residential, commercial, and possibly even industrial clients to transform outdoor areas, bringing their dreams to life. You also earn a good income – the average in the US falls between $34,000 and $70,000 per year.
From that income, you’ll need to pay for things like your home mortgage, your auto loans, your utilities, and possibly even business-related costs if you’re self-employed or own your own business. What will you do to meet those obligations if you find yourself disabled and unable to work? The answer is to compare landscape architect disability insurance quotes.
Why Disability Insurance?
Why should you consider obtaining landscape architect disability insurance quotes and comparing your options? Simply put, disability insurance is designed to provide you with financial protection should you find yourself unable to work and earn your regular income.
None of the other types of insurance provides coverage for your lost income. If you were to become disabled without a source of income, you would have no way of covering your rent, utilities, or other regular costs. But all of this can be solved with disability insurance.
With landscape architect disability insurance, your insurer will provide you with a stream of income based on your average annual earnings, and you can spend that money on anything you need, including paying your family’s financial obligations.
Do you really need disability insurance?
The answer is a resounding yes. Every year, thousands of working professionals find themselves out of work due to an injury or illness. In truth, up to one-third of American workers will experience a disability before they retire – that could be you without any stretch of the imagination.
Moreover, there’s a 21% chance that you’ll experience a disability that lasts at least three weeks before you turn 65 without any modification from health, genetic predisposition, or other factors. If you’re around the age of 40, you have a 21% risk of disability flat out. These are numbers you shouldn’t be gambling on, so get your landscape architect disability insurance today.
How Your Rates Are Calculated
Insurance companies group occupations into specific classes based on documented risk for a particular job. These classes look at the hazards of your job and the difficulty returning to work following a long or short-term disability.
Every insurance company ranks the factors to determine the cost of a policy – age, gender, income, the health of the individual, location, and specialty. These factors are analyzed carefully to determine the overall cost of occupational disability insurance. There are many insurance providers offering disability insurance, so before you settle for a certain insurance policy, check with all providers to make sure you chose the right one.
Look for Unisex Rates
Statistics show that women are more prone to developing a disability that will prevent them from working full time. The most common disabilities women experience rheumatism and arthritis, but the more serious ones are cancer, heart disease, mental health, and diabetes. As a result, the premiums calculated for women’s disability insurance policies are higher than those for men.
According to a study, women have stated that experiencing a disability would be “somewhat devastating” to their family’s finances. Many also said they worry that their cash reserves would last less than a month if they couldn’t work. This shows the importance of disability insurance and how it can help with a family’s finances.
Why Comparing Insurance Rates Is Important
Why might you need to compare landscape architect insurance quotes? There are several reasons for this. One of those is to ensure that you’re able to find the least costly insurance policy. The other is to make sure that you find the policy that fits your needs best. Insurers, disability definitions, benefit terms, and many other factors vary significantly, and you’ll need to make an informed comparison to ensure that you have the protection you require.
You will need a policy that will not only replace your income but will also protect your working specialty. You’ve invested a lot of years into studying and becoming a landscape architect, so being unable to work your specialty can be detrimental.
At a minimum, you need an “own occupation” disability insurance policy that will pay benefits if you’re unable to perform any duties of your occupation. If you want to be protected in case you can’t work in any occupation, then you need an “any occupation” disability insurance policy.
Why Choose Us
The challenge with landscape architect disability insurance is finding the right insurer and the right policy for your needs. A disability can happen at any time, now or in 10 years, so it’s important when choosing your insurer to have one that has the financial stability and power to weather difficult economic effects.
There are many insurance companies out there, so it can be confusing to settle for the right provider, but we can help here. We specialize in helping medical professionals like you find the right disability insurance policy to fit your unique needs. When you work with us, you will be involved in every step of the process to make sure you understand everything and are completely happy with what is offered to you.
How Can We Help?
When you come to us for help with landscape architect disability insurance, we go to work on your behalf immediately. We work with leading insurance professionals throughout the country to make sure you find the coverage you need. With us, you can:
- Review rates from some of the leading providers of individual disability insurance throughout the US.
- Get quotes from all major insurers in the US that currently offer disability insurance products in your specific geographic area.
- Learn about your options when it comes to landscape architect disability insurance and how it can benefit you in the event that you’re injured and unable to work.
We invite you to get in touch with us today. Call 1-877-221-6198, or use the form on the right to contact us.
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