Canada's Top 10 Hazardous Jobs
08/01/08 11:48 Filed in: Articles
Top 10 List
Many of us fear dying in a plummeting plane crash or in a terrible car crash, but many Canadians face great danger every day on their job! These are the 10 most hazardous jobs in Canada:
1. Lumber cutting / Lumber mill workers
2. Airplane pilots
3. Construction workers
4. Truck drivers
5. Farming-related workers
6. Groundskeepers
7. Manual laborers
8. Policemen and Policewomen
9. Carpenters
10. Sales occupations
Do you have life insurance to protect you from the risk of working?
It's true that some jobs have greater risks than others. Regardless of the kind of work you do, take a close look at the life insurance protect you need. After you die, life insurance is there to protect the financial stability of your family. If you're still single and have no dependents, you might not need life insurance. But you should consider buying life insurance if any of the following are true:
Having Disability Insurance that you need.
If you're working in a high-risk job--especially if your occupation is listed above--you probably already know how important it is to be covered with disability insurance. If you are working for a company, EI (Employment Insurance) covers short-term disabilities for only 14 weeks, and if you're Self-Employed, you do not have this coverage at all. That's why it's important to start this coverage right away if you don' have any.
Your company might offer you a group benefits package right now at little or no cost to you. Be sure to check the actual details of the plan because, in order to reduce costs, some plans do not carry long-term disability insurance. And some that do, have very limited definitions and short durations of coverage (eg. 2 years coverage compared to coverage until age 65 for the best plans). Also, when you leave that company, you cannot take that coverage with you, and you'll be left vulnerable at a time when you need it most. This is good reason to own your own disability insurance policy.
Shop around and compare.
Disability Insurance policies come with so many options and variables that it's often best to speak to an experienced insurance advisor to help find the best product from the best company with the right options for you. Premiums will vary greatly from company to company, so be sure to compare the options on each policy carefully.
Request a Disability Insurance Information Kit today.
Request a telephone quote for Disability Insurance.
Many of us fear dying in a plummeting plane crash or in a terrible car crash, but many Canadians face great danger every day on their job! These are the 10 most hazardous jobs in Canada:
1. Lumber cutting / Lumber mill workers
2. Airplane pilots
3. Construction workers
4. Truck drivers
5. Farming-related workers
6. Groundskeepers
7. Manual laborers
8. Policemen and Policewomen
9. Carpenters
10. Sales occupations
Do you have life insurance to protect you from the risk of working?
It's true that some jobs have greater risks than others. Regardless of the kind of work you do, take a close look at the life insurance protect you need. After you die, life insurance is there to protect the financial stability of your family. If you're still single and have no dependents, you might not need life insurance. But you should consider buying life insurance if any of the following are true:
- You are married and your spouse is dependent on your income
- You have a parent that is aging or a disabled relative you are taking care of financially
- Your RRSP and other savings are not enough to support your loved ones when you die
- Your estate is large and is exposed to high taxes when you die
- You own and run a business
- You have children
Having Disability Insurance that you need.
If you're working in a high-risk job--especially if your occupation is listed above--you probably already know how important it is to be covered with disability insurance. If you are working for a company, EI (Employment Insurance) covers short-term disabilities for only 14 weeks, and if you're Self-Employed, you do not have this coverage at all. That's why it's important to start this coverage right away if you don' have any.
Your company might offer you a group benefits package right now at little or no cost to you. Be sure to check the actual details of the plan because, in order to reduce costs, some plans do not carry long-term disability insurance. And some that do, have very limited definitions and short durations of coverage (eg. 2 years coverage compared to coverage until age 65 for the best plans). Also, when you leave that company, you cannot take that coverage with you, and you'll be left vulnerable at a time when you need it most. This is good reason to own your own disability insurance policy.
Shop around and compare.
Disability Insurance policies come with so many options and variables that it's often best to speak to an experienced insurance advisor to help find the best product from the best company with the right options for you. Premiums will vary greatly from company to company, so be sure to compare the options on each policy carefully.
Request a Disability Insurance Information Kit today.
Request a telephone quote for Disability Insurance.