Why Disability Insurance?
Professional pipefitters provide essential services for a wide range of needs, from sprinkler system installation to ongoing plumbing maintenance in commercial buildings and everything in between. In return, you earn a salary that falls between $31,000 and $83,000 per year.
From that salary, you’re required to meet your family’s financial obligations – mortgage payments, health insurance payments, and the like. What would happen if you couldn’t make those payments because you were out of work, though? Pipefitters disability insurance keeps you safe from that possibility.
Your Risk of Disability
Disability can strike anyone, at any time. It’s not just about physical injuries, either – medical conditions are the leading causes of disability in the United States. Conditions like back pain, diabetes, heart disease, and cancer can be difficult or even impossible to defend against. When these conditions strike, you will be unable to work for weeks, even months at a time.
Moreover, if you’re near the age of 40, there’s a one in five chance (or around 21%) that you’ll sustain a disability that lasts three weeks or longer before you reach the age of 65. That’s a frightening fact to gamble your finances on, but pipefitters’ disability insurance helps ensure that this does not mean falling behind on your bills.
Your Job Affects Your Rates
As a pipefitter, your most valuable asset is your arms. If you injure any of them at any part you won’t be able to keep working and producing a profit. This is a concerning fact considering more than half of the broken bones in adults in the US happen to arms. You have to be prepared and protect your income and this can be done only through pipefitter disability insurance.
Additionally, as a pipefitter, your job carries risks other jobs may not. You’re handling tough materials all the time which just adds to the risk of you being injured. This is not something to take lightly.
Do Other Insurance Policies Protect You?
You may think that health insurance is enough to protect you and your lifestyle should you become disabled or fall ill, but that’s not the case. Health insurance provides a certain level of coverage, but it’s limited only to the medical costs resulting from a disability such as doctor visits, rehabilitation costs, surgery, hospital stay, and so on.
None of the other types of insurance provides coverage for your lost income either. So, 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. All of this can be solved with pipefitter disability insurance.
How Disability Insurance Works
Not completely sure how disability insurance works? It’s not complicated, although finding the right policy can be a challenge. In essence, you will receive payments from your insurance company after you have missed a specific amount of time at work due to a qualifying disability. Those payments can be used for anything you need, from paying your mortgage payments to ensuring that your home’s electricity stays on to putting food on the table.
The most difficult aspect of dealing with disability insurance is finding the right insurer. You need to make an informed comparison of all your options, which can be very hard to do. We can help you. We have years of experience in helping working professionals compare insurers, disability insurance policies, disability insurance rates, and other factors to arrive at an informed, accurate decision.
Choosing Your Disability Insurance Policy
Finding the right insurance provider can be difficult. This is particularly true if you have never bought disability insurance before. You need to make an informed decision regarding the policy and coverage terms available to you, but how do you do that? We can help.
In our many years in business, we’ve helped countless people find the peace of mind they deserve through a perfectly matched disability insurance policy. We work with insurance companies that you know and trust and provide you with expert guidance throughout every step of the process.
What Can We Help You Do?
When you turn to us for help with your pipefitter disability insurance, we go to work for you immediately. We have years of experience in this area, so we can quickly help you find the coverage you need. By working with us, you can:
- Be able to review rates from some of the leading providers of disability insurance.
- Get quotes from all major insurers in the US that currently offer insurance products in your area.
- Learn more about your options and how disability insurance can benefit you in the event that you’re injured and unable to work.
Buy a Disability Insurance Policy While You’re Young
Disability insurance policies are priced based on the risk of you becoming injured and filing an insurance claim. The higher your risk for filing a claim, the more you’ll pay in premiums, and one of the main factors that determine if you will be marked as a higher risk person is your age. Statistics show that the older you are the more likely you to become disabled, so getting your pipefitter disability insurance today means that you will pay less in premiums and be protected for longer in your lifetime. Each year you age is more money you’ll be paying out each month or year in premiums.
We Can Help You Find The Right Coverage
It can be difficult to choose the right pipefitter disability insurance policy, though. You need to make sure you’ve chosen the right insurance policy, and that you’re working with the right insurer. That’s where we can help. We’ve spent years working with professionals just like you to ensure they can make accurate choices and decisions regarding their financial protection. We allow you to compare disability insurance quotes from leading US insurers, as well as insurance rates, coverage areas, and more.
We invite you to get in touch with us today. Call us at 1-877-221-6198 or use the form on this page.