Episode 62: Disabling Dangers on the Farm with Insurance Options

Farm Commons

Injuries to farm and ranch owners while at work are common. Accidents can happen with PTO tractor attachments, trailers that get unhitched, gates that malfunction on you, the list goes on. These dangers can lead to lost digits and limbs, which impacts the business and the farmer or rancher’s future livelihood. A key question for owners to ask themselves is: what kind of coverage do I have for work-related injuries right now? In this episode, we provide strategies for answering this question as well as explain how workers' compensation, disability insurance, and life insurance can be options for covering lost wages, chronic illness, or other debilitating conditions that leave you less able to earn your income on the farm or ranch.

Resources mentioned:

• Workers’ Comp Benefits: How Much is a Limb Worth?
• AgriSafe
• Upper Midwest Agricultural Safety and Health Center

This work is supported by the Farm and Ranch Stress Assistance Network (FRSAN), grant no. 2021-70035-35372/project accession no. 1027099, from the U.S. Department of Agriculture, National Institute of Food and Agriculture.