miners 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, underground mining machine operators had a fatal injury rate of 13.9 per 100,000 full time workers. The rate for all workers was 3.5. That is about four times higher.
If your family needs your pay, life insurance can help them cover bills and the house. Work coverage usually ends when you leave the job. A plan you own stays with you.
- MSHA counted 28 deaths at US mines in fiscal year 2025, not counting contractor deaths.
- 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.
- Underground or surface work
- Coal or metal and nonmetal mining
- Your exact job, like blasting or running machines
- Any lung or breathing problems
- Your age, health, and tobacco use
Common questions
Can miners get life insurance?
Yes. Your job may affect your price. Insurers want to know what kind of mining you do.
Does underground work cost more?
It can. Insurers often ask if you work underground or on the surface.
Does my mining company give me coverage?
It might. Work coverage usually ends when you leave. A policy you own does not.
Do health questions matter?
Yes. Insurers ask about your health, including breathing problems, along with tobacco use.
