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Disability Insurance

Secure Your Future: Disability Insurance for peace of mind and income protection.

Protect your income when you can’t work.

Your ability to earn an income is your most valuable financial asset. But what if an illness, accident, or mental health condition leaves you unable to work for weeks, months, or even longer? Disability Insurance provides a tax-free monthly income to replace a portion of your earnings—helping you keep up with bills, rent, and living expenses while you recover.

Whether you're a full-time employee, freelancer, or small business owner, this coverage ensures your lifestyle and financial responsibilities stay protected—even when life doesn’t go as planned.

What Does Disability Insurance Cover?

    Disability Insurance pays you a monthly benefit when a doctor confirms that you're medically unable to work due to:


  • Physical injury (e.g., fractures, chronic pain, surgery recovery)
  • Serious illness (e.g., cancer, heart conditions, autoimmune disorders)
  • Mental health conditions (e.g., depression, anxiety, burnout)

    • Coverage typically replaces 60% to 85% of your income, depending on your plan and whether the benefit is taxable.

How does it work?

    You apply for a policy based on your occupation, income, and health status. You choose:


  • Your monthly benefit amount
  • A waiting period before benefits begin (commonly 30, 60, or 90 days)
  • A benefit period (e.g., 2 years, 5 years, or up to age 65)

    • If you become disabled, your doctor submits medical proof that you’re unable to perform your job duties.

After the waiting period ,

you start receiving monthly, tax-free payments for the duration of your disability, up to your chosen benefit period.

If you recover,

your payments stop. Some plans allow partial benefits if you return to work part-time.

This process ensures that

you have reliable income support during recovery—without draining your savings.

Types of Disability Coverage

1. Income Protection for Individuals

    Designed for working professionals, freelancers, and self-employed individuals. It supplements or replaces your income when you can’t work due to a health issue.


  • Ideal if you don’t have group benefits or if your employer plan is limited
  • Coverage is portable—you keep it even if you change jobs
    • 2. Business Disability Insurance

      Tailored for business owners who need to keep their operations running during a health setback.


    • Business Overhead Expense (BOE): Covers rent, salaries, utilities, and other fixed costs
    • Key Person Disability: Replaces income or expenses if a crucial employee is disabled
    • Buy-Sell Disability Insurance: Provides funding to buy out a partner’s shares if they become permanently disabled
Why

Disability Insurance Important?

Over one-third of working Canadians

will experience a disability lasting 90 days or more before age 65

Government benefits

(such as CPP Disability or EI Sickness) are limited and difficult to qualify for

Employer plans

are often not enough, especially for long-term or higher-income needs

Without proper coverage

many people are forced to use credit, savings, or RRSPs to survive while recovering

Disability Insurance

is the only solution specifically designed to protect your paycheck fHow much income can you get? when you're too sick or injured to earn one.

Key Features & Customization Options


  • Tax-free monthly benefit payments
  • Choose your waiting period and benefit length
  • “Own occupation” definition available for professionals
  • Partial or residual disability coverage for part-time return to work
  • Guaranteed renewable and non-cancellable options available
  • Coverage for mental health, chronic pain, and other non-visible conditions

    • Who Should Consider It?


  • Employees without sufficient long-term disability benefits
  • Self-employed professionals or gig workers
  • Business owners responsible for overhead or payroll
  • Anyone with debt, dependents, or monthly expenses
  • Those who want income security beyond government programs

    • Get the coverage that works as hard as you do.

    We’ll guide you through choosing the right plan based on your income, lifestyle, and risk profile. Whether you need basic protection or a fully customized policy, we’re here to help you safeguard your future with confidence.