Disability Insurance For Truck Drivers

As a truck driver, you spend a lot of time driving your truck on the road, sometimes driving for days or even weeks without even returning home. This makes truck driving one of the riskiest jobs and the most hectic one. While this pays you well, have you ever wondered how would you support your family financially when you are unable to work due to a physical or mental disability that can happen due to a road accident? While we never think this way, it is very important to be practical and be prepared for any kind of uncertain situation and always have a plan B.

This is where opting for a truck driver disability insurance plan is a very important decision for every truck driver in the USA. At Quixory, we bring to you a wide range of disability insurance plans for truckers, crafted to match your specific financial needs when you are unable to work.

Truck Driving: A Risky Occupation

We all know that truck driving is a fun and exciting occupation; you get a chance to meet new people and explore new places while being paid as a trucker. According to statistics, a regular truck driver works a regular 40-hour workweek. This means a lot of time on the road, which then increases the chances of road accidents. One reason for this is also that working long hours on an ongoing basis results in chronic fatigue.

Another fact about truck drivers is that they are mostly older, on average than other workers. The average age of a truck driver is 46, compared to 41 for all workers. The higher average age also means more risk of illness and injuries associated with the occupation.

The Types Of Truck Driver Disability Insurance

No matter how good driver you are and how attentive you stay on the road while driving, there are always chances of road accidents, sometimes due to the mistakes of other drivers on the road. So, it makes sense to go with an insurance plan that is exclusively designed for disabled truck drivers. Following are your options when looking to protect your financial freedom in case you experience disability as a truck driver:

• Short-term disability insurance – This is a common type of disability insurance plan that is designed for people who would like to insure their disability and receive financial support in case of a mental or physical disability. This can be very helpful when you’re unable to perform your job and earn money. Generally, this type of insurance plan will provide you with a percentage of your paycheck for a set period, which is around 12 weeks. The goal of this type of truck driver disability insurance is to help keep you afloat while you aren’t working.
• Long-term disability insurance – Another type of disability insurance for truckers is a long-term disability insurance plan for truck drivers, which provides financial support when you’re unable to work for more than 90 days due to illness or disability. Similar to the previous plan, this one provides you with financial support, but for a longer duration. The duration of receiving financial support can last anywhere from five, 10, or 20 years, depending upon the coverage endurance you choose when buying the plan.
• Accident-only disability insurance – This is an exclusive disability insurance plan that suits best truck drivers as you are always at risk of a road accident. This type of insurance plan provides financial support in case you engage in a road accident and sustain disability.

Common Truck Driver Injuries

According to statistics, truck drivers are more likely to experience injuries like neck injuries than the average U.S. worker. Following are some common injuries sustained by the truck drivers:

Back and neck injuries due to:

• Road accidents due to the involvement of a tractor-trailer and a passenger vehicle.
• Continues bouncing on the driver’s seat and vibration of the truck.
• Stress in the body organs due to long sitting, bending, and lifting heavy cargo, etc.
• Loading and unloading heavy objects or slipping while handling cargo.

Other Disabling Conditions

Apart from the back and back injuries, there are many other disabling conditions that truck drivers experience. Some of these conditions include:

• Fractures
• Whiplash and soft tissue injuries
• Concussions
• Spinal cord injuries
• Loss of vision
• Vestibular disorders
• Chronic Fatigue Syndrome
• Fibromyalgia
• Brain injuries

Why Do You Need Disability Insurance for Truck Drivers?

It is a fact that many people ignore the importance of having disability insurance for truckers. Instead, they opt for other options like life insurance and health insurance. While these options can be a good choice, they do not supplement your financial needs, when you are unable to work due to short-term or long-term disability. Here are some reasons why it makes sense to invest in truck driver disability insurance.