Affordable disability insurance for Canadians

One of the most common causes of income loss is through a disability. While most disabilities cause only temporary loss of income, any income loss can be devastating if you are not financially prepared.

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Protect your income and your lifestyle.

Focus on Your Recovery Without Stress

If you’re ever injured or become sick, you want to put all your energy towards getting better or adapting to your new normal. That’s not easy if you’re also struggling to pay your bills. Call today to Learn how disability insurance can protect you when you’ll need help the most.

What is Disability Insurance?

If an unexpected injury or illness limits your ability to continue working, disability insurance includes coverage for a monthly benefit that you can use towards:

  • Replacing lost income
  • Paying your mortgage or rent
  • Renovating your home to accommodate your new circumstances
  • Improving your life via at-home care or necessary medical equipment
  • Helping with your monthly bills

If you’re looking for an option dedicated to specific illnesses that offers a one-time lump sum payment instead of monthly benefits, you might want to ask about critical illness insurance.

Why do you need Disability Insurance?

Replace your lost income

You can use your payout to help with your expenses while you recover.

It's more common than you think

Up to 40% of Canadians become disabled for 90 days or longer before of age 65.

Protect your retirement savings.

You dont have to dip into your retirement and other savings to pay for additional medical costs.

Focus on your recovery

You can concentrate on getting healthy knowing your benefits payment can help with your financial situation.

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Whether you’re ready to discuss your best disability insurance options or have questions about our services, I am ready to serve you by phone, in person or through virtual meeting.

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Disability Insurance FAQs

What are my disability benefits?

Your benefits are generally based on a percentage of your monthly income at the time you become disabled. 

I'm not sure I can qualify for disability coverage. Should I still apply?

We encourage you to apply even if you aren’t sure you can qualify. You will have to answer some questions in order for us to find out your eligibility.

Are medical questions or exams required to apply for disability coverage?

Typically, yes. When purchasing disability insurance, medical questions and exams are usually required, the extent of which depends on your age and the amount of insurance you request when you apply.

How do I qualify for benefits under my disability plan?

You must meet the plan requirements for eligibility, including having the policy in force and satisfying the elimination or waiting period.

Definitions of disability vary from plan to plan; your policy will contain complete information about eligibility, limitations and exclusions.

Are there any exclusions under which I won't receive benefits, even though I am unable to work and earn?

Yes. Typically, benefits are not paid for disabilities due to:

  • An act or accident of war
  • Normal pregnancy or childbirth (complications of pregnancy or childbirth are covered)

In addition, the policies won't pay a benefit for any period during which you are incarcerated.

Related to disability insurance

Term life insurance

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Permanent life insurance

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Critical illness insurance

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Super visa insurance

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Travel insurance for Canadian residents

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