Disability Insurance
Protect the income your life depends on
Disability insurance can replace part of your income when a qualifying illness or injury prevents you from working. It can help you keep up with household expenses while you focus on recovery.
Short-term and long-term coverage
Short-term plans support eligible absences for a limited period. Long-term plans may provide benefits for a longer period after a waiting period. The available benefit amount and duration depend on the policy.
Understand your protection
We can review your workplace coverage, savings, occupation and monthly expenses. Key details include the definition of disability, waiting period, benefit period, exclusions and how other benefits affect payments.
Common questions
Do I need to check my workplace plan first? Yes. Understanding your existing benefits helps identify gaps and avoid unnecessary overlap.
Can self-employed people explore coverage? Yes. Options depend on factors such as occupation, income, health and insurer requirements.
Will payments replace my full salary? Usually not. Disability insurance typically replaces a portion of earnings, subject to policy limits and coordination with other benefits.
Discuss your income protection · Call (647) 784-5268
Learn more: Financial Consumer Agency of Canada.