Two weeks on, two weeks off — or a pad that shuts down with a week’s notice. The people at home are still on a monthly schedule, even when the hitch calendar is not.
What a rotation leaves behind
- A service-company policy that can end when the contract or the hitch does
- Housing, a truck, or debt sized to a busy year’s day rate
- Weeks in a man camp while someone else is the only adult at home
- A gap between hitches when you are not on anyone’s benefits
Ask whether any life insurance you have is in force on your days off hitch and between contracts, not only while you are on location.
Oilfield questions
I’m paid as a contractor through a service company. Is there usually group life insurance?
Often there isn’t, or it belongs to a staffing firm and stops when that assignment stops. Don’t assume the company man on location has the same benefits you do.
We keep a place near the yard and a house at home. Which bills matter?
Both, for as long as both would continue. Coverage sized to only one household can leave the other exposed. Rough monthly numbers are enough for a first conversation.
Does offshore or remote-pad work get treated differently?
Some insurers ask about duties, location, and travel. There is no single oilfield rule. The useful step is a licensed agent checking the work you actually do.
General information, not insurance advice. Products, availability and pricing vary by insurer and state.
