lineworkers 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
In 2023, electrical power line installers and repairers had a fatal injury rate of 18.4 per 100,000 full time workers. The rate for all workers was 3.5.
Many lineworkers travel for storm work or change employers. Life insurance from a job usually ends when you leave. A policy you own keeps your family covered.
- OSHA lists contact with power lines as one of the most common causes of electrical injuries.
- 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.
- Do you work on energized lines, and at what voltage?
- How high you climb or work from a bucket truck
- Storm or travel work
- Your employer or union
- Health, age, and tobacco use
Common questions
Can lineworkers buy life insurance?
Yes. Your job may affect the price, since insurers look at your job when they set rates.
Is my union or work plan enough?
A basic work plan often pays one or two times your yearly pay. It usually ends when you leave the job.
What will the insurer ask about my work?
Expect questions about heights, live lines, and travel. Answer honestly so your policy holds up.
