The Need for Shoreman Disability Insurance
Do you work as a shoreman? If so, you play an important role in the function of the docks or wharf and all related areas. Your salary reflects that – you earn somewhere between $28,000 and $140,000 per year depending on your experience, your role on the job, and even the area in which you work.
You’ll use that salary to pay for the things you need in life. Your mortgage payment is one of those, and you likely have one or two monthly car payments. You have utility bills, health insurance costs, retirement contributions, and maybe even tuition payments for your children. What would happen if you suddenly are unable to keep working and earn a living? Would you be able to support your lifestyle and cover your medical bills at the same time? This is why you need shoreman disability insurance.
You Are at Risk
As a shoreman, you’re no stranger to risk. Your work environment is not the safest in the world. While an injury here may be covered by workers’ compensation, you cannot forget about other areas of your life.
What if you slip and fall walking down the stairs at home and break your leg, requiring weeks of healing? What if you’re diagnosed with diabetes or with heart disease? What if you are diagnosed with cancer and must go through lengthy medical treatments that cause you to miss work?
Additionally, 1 in 8 workers will be disabled for 5 years or more during their careers, and the probability of experiencing a disability grows with age. So, there is a 1 in 5 chance that someone around the age of 40 will suffer through a minimum three-week disability by the time they turn 65. That applies across the board, regardless of your health and wellness, medical history, family history, and other factors. These are number you shouldn’t be gambling with.
Why Choose Shoreman Disability Insurance
A worker’s compensation will protect you only if you’re injured on the job, but not outside of it. You may think that your health insurance or auto insurance will protect you, but they will only provide limited coverage for medical costs, not for your loss of income.
So if something happens that would prevent you from working for a certain period of time, you would be left with little to no protection. During this time, medical bills and regular costs will keep piling up and your obligations will go unmet, so once you’ve recovered you’ll be left with a huge debt. This can be prevented through disability insurance. Your shoreman disability insurance policy can help you cover the costs, which will let you focus your recovery instead of worrying about how much debt you will accumulate during your absence of work.
How To Get Shoreman Disability Insurance
Knowing how your disability insurance policy works and how to find the best one is important, but thankfully, that’s not that complicated. You’ll first need to purchase a policy from an insurer and develop a qualifying disability (a condition that meets your insurer’s definition of “disability”). Then, that disability needs to force you out of work for a preset period of time. Once that happens, your insurer will start paying you based on your average monthly income.
With that being said, you do need to make sure you’ve chosen the right shoreman disability insurance policy, and that you’re working with the ideal insurer. That requires an in-depth comparison that most people find difficult to make. We can help. We allow you to compare disability insurance quotes from leading US insurers, as well as insurance rates, coverage areas and more.
Find The Right Insurer
You need to make sure you’ve chosen the right disability insurance policy and that you’re working with the right insurer. That requires an in-depth comparison of disability insurance providers, something that most people find difficult to do. We can help. We allow you to compare disability insurance quotes from leading US insurers, as well as insurance rates, coverage areas and more.
How Can We Help?
When you come to us for help with shoreman disability insurance, we go to work on your behalf immediately 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.
- Get quotes from all major insurers in the US that currently offer insurance products in your specific geographic area.
- Learn about your options when it comes to your shoreman disability insurance and how it can benefit you in the event that you’re injured and unable to work.
Buy a Disability Insurance Policy While You’re Young
The premiums you pay for your shoreman disability insurance depend on the risk of a disability happening to you. The higher the risk, the higher the premium of your insurance policy will be. One of the primary factors that contribute to being marked as a higher risk person is your age. Statistics show that the probability of you being disabled increases with age which means that the later you get disability insurance, the higher the premiums you will pay. Therefore, you can save money in the long-term by purchasing coverage today. Each year you age is more money you’ll be paying out each month or year in premiums.
Disability Insurance Considerations
If you have disability insurance and experience a qualifying condition, then you’ll be financially supported by your insurer. The insurer will pay you based on your average annual income, and you can use that money for anything you need.
Of course, not all insurers and not all insurance policies are the same. We work with professionals just like you to find the right mixture of affordability and coverage to meet your needs and budget.
We invite you to contact us today at 1-877-221-6198 to learn more about your insurance options, coverage choices, and how disability insurance can ensure your peace of mind. You can also use the form on this page to get a free quote.