What disability insurance does
An eligible claim provides a monthly payment when illness or injury prevents you from working, subject to the policy definition. Payments replace part of your earnings, rather than your full salary.
Protect your income
Disability Insurance
Keep your financial plan moving while you recover.
Your income pays for everyday life and tomorrow’s goals. We help you explore disability coverage that supports your household if illness or injury interrupts your ability to work.
Review my income protection
Start with the coverage you already have
Bring your workplace benefits booklet to our first conversation. We will review it alongside your household spending and savings, then identify the questions to ask before considering additional coverage.
What we compare with you
We review the monthly benefit, waiting period, payment duration, definition of disability, exclusions and premium. Group coverage and other disability income may affect what a policy pays.
A plan built around your working life
An employee, a consultant and a business owner may face different cash-flow pressures. We begin with your essential expenses and responsibilities, then compare suitable options against the budget you want to maintain.
Coverage is subject to underwriting, exclusions and the issued policy. Benefits are payable only when claim requirements are met.
Consumer resource: Financial Consumer Agency of Canada: disability insurance.
Consumer resource: Financial Consumer Agency of Canada: disability insurance.
Your questions, answered
When would benefits begin?
An approved claim is subject to the policy’s waiting period. We compare that period with your available savings.
Is workplace coverage enough?
That depends on the benefit limits and terms. We can review your benefits booklet and discuss any gaps.
What about partial disability?
Some policies offer partial or residual benefits. Availability and the definition of eligibility vary by contract.