Disability Insurance

A Guaranteed Income Stream

Types of Coverage

Disability insurance is a critical component of financial protection, ensuring that you have income if an illness or injury leaves you unable to work. With the rising cost of living and medical expenses, being financially prepared for unexpected health issues is more important than ever. We offer disability insurance tailored to provide peace of mind, protecting your income and your future.

Quick Lump Sum Payout

Key Features of
Disability Insurance

Income Replacement

The main benefit of disability insurance is income replacement, covering your income if you're unable to work, helping with bills, mortgage, and expenses.

Coverage for Long-Term Illness or Injury

Long-term disability insurance helps cover financial burdens if you're unable to work for months or years due to a serious illness or injury.

Support Beyond Workers’ Compensation

Workers' compensation covers job-related injuries but not those outside of work. Disability insurance covers you in any situation, both on and off the job.

27% of Canadians 15 or older had at least one disabilty

Why Choose Disability Insurance?

High Risk
of Disability

Avoid Financial Hardship

Maintain Your Independence

Flexible Benefit
Options

FAQ'S

Disability insurance provides financial benefits when you're unable to work due to illness, injury, or a long-term health condition. It offers a steady source of income to help cover everyday expenses, medical bills, and other financial obligations while you’re unable to work. Depending on the policy, disability insurance can offer short-term or long-term coverage, ensuring financial stability during your recovery.

What factors determine the cost of disability insurance premiums?

Premiums are typically based on factors such as your age, occupation, health status, and the level of coverage you choose. Riskier professions and longer benefit periods usually result in higher premiums.

Can I still receive disability insurance benefits if I work part-time during recovery

Some policies offer partial or residual disability benefits, allowing you to receive benefits if you return to work part-time but cannot earn your full income due to your disability.

How long does it take to receive benefits after filing a disability claim?

The waiting period, also known as the elimination period, can range from 30 to 180 days depending on your policy. You will begin receiving benefits once this period has passed and your claim has been approved.