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Disability Insurance

It can give you a tax-free monthly payment to help replace your income and cover your expenses if an illness or injury keeps you from working. While a disability can often be visible to the naked eye, not all disabilities are so easily recognized. Chronic pain or a mental health issue can also qualify as a disability. 

How does it work?
  • Choose the amount you want and add optional benefits to customize your coverage.

  • Pay your monthly premium.

  • File a claim if you become disabled.

  • Receive your monthly payments when the waiting period ends. The waiting period is the number of days from the date you’re disabled until the benefit start date.

  • Your payments stop when your benefit period ends or you return to work.

Why do you need disability insurance?

  • It’s more common than you think

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

  • Replaces most of your paycheque

    Potentially receive up to 80-90% of your take home pay.

  • Protect your retirement savings

    Disability insurance can help you meet your financial obligations so you may be able to avoid dipping into your retirement savings.

Protect your most valuable asset

Your ability to earn an income over a 30- or 40-year career, is your most valuable asset. Here’s an idea of what you could earn over the rest of your working life based on your age and current salary. This chart assumes a 2.5% raise every year and that you’re working to age 65.

Do you need disability insurance if you have it through your employer?

Group insurance is a great start, but it usually only provides basic coverage. A personal disability policy complements group insurance – together, they can help protect you, your family and your lifestyle should the worst happen.


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