Disability Insurance

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Protect your income and financial stability with Disability Insurance.

Don’t let unexpected disabilities jeopardize your income and savings. Get a customized quote for Disability Insurance that fits your needs and budget.

Click on one of the below topics to unpack your Canadian life disability insurance:

Government Plan (CAN)

Although the Canada Pension Plan (CPP) does provide disability coverage, its benefits come with certain limitations. The average monthly CPP disability benefit for 2016 is $933.82, with the maximum amount being $1290.81.

However, our disability insurance plans offer significantly higher benefits, up to $25,000 per month for some individuals, depending on their occupation, pre-disability income, and other factors. To qualify for the CPP disability benefit, one must sustain a severe and prolonged mental or physical disability and be unable to work at any occupation.

As licensed insurance brokers in the industry, we can help you navigate the options available and find the best plan to meet your needs.

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How Does it Work?

  • Select your desired coverage amount and tailor it with additional benefits per your preferences.
  • Make timely monthly premium payments to ensure your coverage remains active.
  • In case of disability, file a claim to initiate the process of receiving monthly payments once the waiting period ends.
  • The waiting period is the duration from the disabled date to the benefit start date.
  • Your payments will halt when your benefit period ends, or you resume working.

How Much do you Need?

Your disability benefits are intended to ensure that you and your loved ones can maintain a comfortable standard of living as if you were still employed full-time.

To begin, calculate your fixed monthly expenses, including food, housing, transportation, utilities, and other miscellaneous costs.

Then, deduct any income you will receive from other sources during your disability, such as investments, rental property, or other disability insurance policies.

The resulting amount is the amount you require. However, it is important to note that disability insurance policies are designed to replace only a portion of your income. So if you already have a plan, be sure to review the coverage amount ahead of time so you can plan for the unexpected.

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Why Consider Buying?

If you belong to any of the following categories – self-employed, contractor, or part-time worker, and require coverage for either injury or sickness and injury, disability insurance coverage is the perfect fit for you.

Additionally, if you’re worried about meeting the eligibility criteria for traditional coverage or need to supplement your group coverage, disability insurance is the way to go.

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Critical Illness Ins.

Critical Illness coverage offers financial compensation in the event of cancer, stroke, heart attack or other debilitating illness. Such illnesses can sometimes require recovery costs and even force a leave of absence from work. Therefore, when you establish your policy, you have the option to choose the amount of coverage that meets your specific needs, as recovery costs can vary.

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What you need to know about disability insurance Saskatchewan

Disability coverage replaces some of your income if you can’t work because of an injury or illness. This monetary benefit will continue until the benefit period ends or you return to work. It can help you and your family pay for necessary expenses like your mortgage, car payments, utilities, groceries, etc.

Determine the amount of coverage you have early on to ensure you are properly protected. For example, do you have short-term stability or long-term disability coverage? If you’re unsure, get a free coverage review with one of our advisors today!

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Why do you need disability insurance?

Accidents and illnesses can happen unexpectedly, leaving you unable to work and earn an income. Don’t let this situation put your financial stability at risk. Disability insurance provides a safety net that ensures you continue receiving income even when you cannot work.

Up to 40% of Canadians become disabled for 90 days or longer before age 65. Disability insurance can help you meet your financial obligations as the benefit can replace most of your take-home pay. It allows you to avoid dipping into your retirement savings.

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Do you need life disability coverage if you have it through a work benefits plan?

Group benefits insurance is a great start, but it usually only provides basic coverage and is limited in the reimbursement you can receive. Are you prepared to face the financial impact of a disability over the long term? Don’t rely solely on your workgroup benefits – ensure you have adequate coverage with disability insurance.

The first question you should ask when reviewing your disability workplace plan is whether you have short-term disability or long-term disability coverage. Protect your finances and secure your future by getting a free review today!

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Don’t wait until it’s too late to protect yourself and your loved ones. Get a disability insurance quote now and secure your financial future.

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