Abattoir Workers & Life Insurance
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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. Your life insurance application should be quite straightforward.
The key time that your occupation will have an influence upon insurance is with income protection and we have more details of this below.
Critical illness cover pays out a cash lump sum of money, if you are diagnosed with a medical condition that is listed in the insurer’s claims set e.g. cancer, heart attack, stroke.
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 for diagnosis of typically 50 critical conditions or more.
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
Income protection for abattoir workers is available with some insurers. Key things that we will ask you:
- Do you use any heavy machinery?
- How many hours do you work each week?
- How much time in your week is manual work, administration or supervisory?
- Have you previously experienced any accidents or injuries at work?
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.
Abattoir workers are primarily employed to humanely dispatch livestock and process animal carcasses. They are subject to high risk working conditions including heavy lifting, exposure to animal blood and diseases, and are required to use industrial cutting machinery. Personal hygiene and heightened sanitary practices are essential for abattoir workers to ensure that they do not cause any contamination to the food or take any contaminants with them once their shift has ended.
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