Disability Insurance Articles
How To Obtain Disability Insurance For Hazardous Occupations
2010-09-29
Disability insurance is one of the most common and important types of insurance. It provides a certain portion of a person's income for a limited time after they become disabled. Various forms of disability insurance are available, but nobody needs this special insurance type more than those who work in hazardous occupations, such as firefighters, miners and police officers. Unfortunately, policy buyers in hazardous occupations also tend to pay more for their coverage than other policy holders, and some find it difficult to even find an insurance provider. This is because from an insurance company's perspective, people with hazardous occupations stand a better chance of making a claim and in order to compensate for the increased risk, it's necessary to charge an increased rate.
The bad news is that if you work in a hazardous occupation, you will certainly have to pay more for your disability insurance. There's no way to completely avoid this, as it's a very important insurance factor. However, you can definitely cut down on your costs in a number of ways and you can find disability insurance that will cover you, even if you're injured on the job, by being honest in your application and by specifically seeking coverage from hazardous occupations. Many insurance providers offer special disability insurance designed to offer this coverage, but you'll have to ask for it. If you're shopping online for disability insurance, you'll have to make sure that you note your hazardous occupation somewhere on the online forms (there's usually a specific question on insurance forms that will ask whether you're employed in a hazardous occupation, and it will ask you to declare your exact job title, too).
Make sure that you're in otherwise good health when applying for coverage. Visit your doctor and get a full physical. Explain that you're trying to apply for disability insurance and get your doctor's recommendations for preventative and diagnostic treatments that might affect the cost of your disability insurance premiums. Limiting your risks will lead to lower rates, regardless of any hazardous employment. Be sure to keep a copy of any documentation that the doctor gives to you. This may be useful when you try to negotiate with your disability insurance company for a better rate.
When you look for disability insurance, always carefully read about your coverage limits. Read the exclusions section of your policy to make sure that you're still covered if you're injured in a hazardous occupation. Every person can find great disability insurance, but for those in hazardous occupations, a little bit of extra work will be necessary to get a great deal.