Disability Insurance

If you become injured, an accident could seriously impact your ability to earn an income. Workplace policies can have limits on the amount of coverage they can offer. Ask an advisor to help you review your work policy to see what your limit is and explore top-up options.

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Disability

FAQS

How Does it Work

Disability coverage replaces some of your income if you can’t work because of an injury or illness. The idea behind it is to help you keep your standard of living the same until you can return to work.  Choose the amount you want and add optional benefits to customize your coverage. This monetary benefit will continue until the benefit period ends or you return to work.

Why Do you Need it

It’s more common than you think. 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.

Do you need Disability coverage if you have it through Work

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

Connect with an advisor and start a free no-obligation consultation or quote today!

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