Disability Insurance

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Get a quote for Disability Insurance that fits your needs and budget.

When you find yourself unable to work due to an accident, disability insurance steps in. This type of coverage provides monthly income that can be used to cover expenses.

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. 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.

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.

Coverage Calculator

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.

Calculate your fixed monthly expenses, including food, housing, transportation, etc.

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.

Who Needs Disability

Disability insurance is particularly well-suited for those who fall into specific categories: self-employed individuals, contractors, or part-time workers needing protection against injury and illness. If your profession involves extensive physical exertion, such as construction, nursing, or physical therapy, and requires you to be on your feet consistently throughout the day.

Moreover, if you wish to enhance your existing group plan’s benefits, disability insurance offers an ideal solution.

Critical Illness (CI)

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

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Need to know: disability insurance in 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 coverage you have early on to ensure you are adequately protected. For example, do you have short-term stability or long-term disability coverage?

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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. Disability insurance ensures you continue receiving income if 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.

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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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