If you are a civilian contractor working overseas for the U.S. military, then you need DBA insurance. This type of insurance provides coverage for workers who are injured or become ill while on the job. It is required by law and is offered through most major insurance companies. In this blog post, we will discuss what DBA insurance is and why you need it!
What is DBA Insurance?
DBA insurance, a type of workers' compensation insurance, provides coverage for civilians who are injured or become ill while working overseas for the U.S. military. It is required by law and is offered through most major insurance companies. If you don't have it, you may need to pay for your own medical costs. This insurance is necessary because many local insurance companies don't cover international travel.
How Much Does DBA Insurance Cost?
The cost of DBA insurance depends on several factors, including your age, occupation, and state of residence. However, the average annual premium is around $500. Because DBA insurance doesn't cost a lot, it's more than worth getting (and, often, is required).
What Does DBA Insurance Cover?
DBA insurance covers medical expenses, lost wages, and death benefits. It also provides coverage for rehabilitation and transportation home in the event of an injury or illness. DBA insurance coverage can vary, you should specifically look at what's included with your insurance company.
How Do You Get DBA Insurance?
DBA insurance is offered through most major insurance companies like Risk Reconnaissance. You can purchase it as an individual policy or as part of a group policy. The easiest way is to search online to see who provides DBA insurance and how much it will cost.
Will Your Company Provide DBA Insurance?
Most companies will not provide DBA insurance for their employees. It is the responsibility of the employee to purchase his or her own policy. This can be confusing because, for most employees, their insurance is all covered by their company.
Does DBA Insurance Replace Workers' Compensation?
No, DBA insurance does not replace workers' compensation. Workers' compensation is a state-mandated program that provides benefits to employees who are injured or become ill while on the job. DBA insurance is a federal program that provides benefits to civilians who are injured or become ill while working overseas for the U.S. military.
There you have it. DBA insurance is absolutely critical if you are a government contractor working overseas. It protects you and your family. Since you can't rely upon your company to get DBA insurance for you, you need to make sure that you get it before you leave.Share
19 January 2022
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