Short-term disability insurance replaces 50% to 70% of your income if you cannot work due to illness or injury. For owner-operators, missed miles hurt immediately — there is no sick pay or employer-funded disability. Short-term disability fills the income gap. OOIDA and occupational accident insurance providers offer disability income coverage specifically designed for truck drivers, typically with weekly benefit amounts tied to your average earnings.
Dental and vision coverage are excluded from most major medical health insurance plans. Truck drivers with irregular schedules and limited access to care during long runs need dental coverage that allows them to address problems quickly when they do have access to a provider. Supplemental dental plans typically cost $30 to $50 per month for basic-to-comprehensive coverage.