Welder Disability Insurance
Why Welder Disability Insurance?
Welders are highly sought-after professionals with a myriad of potential job options in many different industries, ranging from automotive to construction, and everything in between. As a welder, you likely enjoy a salary that falls between $26,000 and $71,000 per year.
Out of that, you must cover your family’s financial obligations, like your mortgage payment and car payment, and you may have business-related costs, too, if you own your own company. Those ongoing financial burdens mean that even a little time out of work could be detrimental. Welder disability insurance can make that burden easier to bear.
What Welder Disability Insurance Does
What would happen if you were unable to work for several weeks, or even a couple of months? Losing your regular source of income could create serious financial problems. The good news is that welder disability insurance can help.
When you buy disability insurance, you create a safety net in case you become disabled. You’ll receive payments from your insurer, based on your average annual income, after you miss a specific amount of work due to a qualifying disability. However, it’s not quite that simple. You will find that some insurers have very different definitions of what a disability is. Others might require you to be out of work for a longer period before your benefits kick in.
Your Job Affects Your Rates
As a welder, 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 disability insurance.
Your job also 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. Get disability insurance today and protect yourself against these risks.
What Can We Help You Do?
When you turn to us for help with welder disability insurance, we go to work on your behalf immediately. We have skilled professionals with years of experience in the area, so we can quickly help 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 offer insurance products in your specific geographic area.
- Learn more about your options and how disability insurance can benefit you if you’re injured and unable to work.
Disability and Your Future
Let’s be clear – disability can strike anyone, at any time. Chances are good that you automatically think of disabilities due to a physical injury. Those do happen, but the leading causes of disabilities in the US are health conditions. Heart disease and arthritis, cancer, and the like far outpace injury-related disabilities.
In addition, unlike physical injuries, there are no safety steps you can take to guarantee that you won’t be affected by a medical condition. Cancer, after all, doesn’t play favorites. Welder disability insurance can provide you with a layer of protection if you find yourself out of work due to a medical/health-related disability.
Confused About What Disability Insurer To Choose?
The issue you’ll encounter is this – it can be hard to make an informed choice when buying welder disability insurance. This is because insurers, insurance coverage, disability rates, and even covered items can vary dramatically. You need to make an accurate comparison of your options before buying a policy.
That’s where we come in. We have years of experience in helping professionals like you find the protection they need for peace of mind and security. We will make sure you are included in every step of the process and receive disability insurance that is fit for your financial needs and requirements.
Buy a Disability Insurance Policy While You’re Young
Disability insurance policies are priced based on the risk of you filing an insurance claim. The higher your risk, the more you’ll pay in premiums. One of the primary factors that contribute to higher risk is age because the older you are, the more likely you are to become disabled.
You can save money in the long-term by purchasing coverage today because every year you age is more money you’ll be paying out each month or year in premiums.
Look for Unisex Rates
In general, women pay higher disability insurance rates than men. A recent study has shown that women are more likely than men to develop a disability that prevents them from being able to work full time and as a result, the premiums calculated for women are higher than the ones for men. For women, rheumatism and arthritis are the most common disabilities they encounter. Cancer, heart disease, mental health, and diabetes are also some other leading causes of disability in women.
Women have also reported that experiencing a disability would be “somewhat devastating” to their family’s finances. Many of the participants in the study said they worry that their cash reserves would last less than a month if they couldn’t work.
We Will Guide You
In one survey, 45% of people who have individual disability insurance didn’t know what their policy’s definition of disability is. More than one half of them didn’t know what percentage of their salary they would receive if they were injured and almost two-thirds of participants had postponed buying coverage so they could further study their options.
Our goal is to ensure that you’re able to make an informed decision and obtain the disability insurance you need for peace of mind. We will work with you to make sure you are involved in every step of the process and understand everything about your disability insurance policy before signing your name on the dotted line.
Call us today to get started – dial 1-877-221-6198 or use the form on the right side of this page.
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