EMTs and paramedics coverage calculator
Your pay, your loans, your work plan. See the gap in 30 seconds.
OpenIf you die on the job
What workers comp, work plans and Social Security pay, and what they don't.
OpenWhy it matters
BLS says EMTs and paramedics have one of the highest rates of injury and illness of all jobs. They may also be exposed to serious diseases.
If your family counts on your pay, life insurance can help them. Work coverage usually ends when you leave. A plan you own stays with you.
- BLS says EMTs and paramedics have one of the highest rates of injuries and illnesses of all jobs. They may be exposed to diseases such as HIV.
- Life insurance from work usually ends when you leave the job. A basic work plan often pays only one or two times your yearly pay.
What an insurer may ask you
Have these ready. Being honest up front gets you a real price and avoids problems at claim time.
- Ground or air ambulance work
- Paid, volunteer, or both
- Fire department or private service
- Your age, health, and tobacco use
Common questions
Can EMTs and paramedics get life insurance?
Yes. Your age, health, and tobacco use matter most.
Does flight medic work matter?
It can. Insurers often ask about flying as crew.
Does my agency give me coverage?
It might. Work coverage usually ends when you leave. A policy you own does not.
I volunteer. Am I covered?
Ask your agency. Do not assume you have life insurance through volunteer work.
