As a bricklayer, you may work in any number of specialty areas, from landscaping to general construction. You might work as a subcontractor, or even own your own business. In addition, you probably earn a salary that falls between $24,000 and $70,000 per year.
Out of that, you need to pay for business expenses if you own your own company, and you need to ensure that your family’s financial obligations are met, such as paying your monthly mortgage payment, car payments, health insurance payments and more. That’s a lot of financial responsibility, and just a few weeks out of work could spell disaster. Bricklayer disability insurance can help you avoid that fate.
Why You Need Protection from Disabilities
While you might not think it, more and more workers are becoming disabled. One-third of all American workers will experience a disability before they retire. In fact, you have a 21% chance of experiencing a disability that lasts for three weeks before you reach 65 just by being near 40 years of age.
Other factors – exercise, diet and nutrition, predisposition and the like just increase your chances of developing a health condition that puts you out of work for several weeks, or even months. Purchasing bricklayer disability insurance helps you protect your financial stability.
Understanding How It Works
Bricklayer disability insurance goes into action when you are forced to miss a specific amount of time on the job, and experience a qualifying disability. In that case, your insurer will pay you a monthly amount based on your average annual earnings, which is called the benefit. You can choose a higher or lower benefit, but it’s important to make an accurate, informed comparison of your options before you buy a policy at all.
We can help you make that comparison – we’ll help you review disability insurance rates and costs, covered items, insurer reputations, disability definitions and more. We invite you to get in touch with us today by calling 1-877-221-6198 or using the form on this page.