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Life Insurance, Critical Illness Cover and Income Protection for Abattoir Workers
- Example Occupations: Abattoir Worker, slaughterhouse person, meat process worker
- Possible Risks: Industrial machinery, animal handling, blood exposure, heavy lifting, handheld cutting utensils
- Occupational Duties: Processing animals, food preparation for wholesale, health and safety, food hygiene management, shift work
Life Insurance for abattoir workers should be available at standard terms with most insurers. Many insurers do not see the regular daily activities of an abattoir worker as highly dangerous.
Critical Illness Cover
Critical Illness Cover for abattoir workers will also generally be available at normal terms. You may find that the Total Permanent Disability section of the policy is not available under an own occupation definition, but that of working tasks only. Whilst this may seem like a reduction in the cover that you have, Total Permanent Disability is a small aspect of a Critical Illness policy and this should not deter you from the valuable benefit that this cover can provide: insurance against a minimum of 40 illnesses.
Income Protection for abattoir workers is available with some insurers but you should ensure that an ‘own occupation’ definition is offered to you; this may not be available with all insurance providers. An own occupation level of cover means that you can place a claim with the insurer if you are unable to work as an abattoir worker. Other definitions of Income Protection provide ‘suited occupation’ or ‘any occupation’ cover which means that any claim that you make will be assessed on a much broader criteria of working capacity; making the chance of a successful claim more difficult.
Income Protection comes with a choice of deferment periods: 1 day, 1 week, 4 weeks, 8 weeks, 13 weeks, 26 weeks and 52 weeks. This is the amount of time that you must wait before a successful claim is paid from the insurer. The deferment that you choose should be calculated upon your budget for the Income Protection policy, employment benefits and any savings that you have in place.
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