Disability Income Replacement Insurance
Disability Insurance is designed to replace a portion of your income or the entire income if you become disabled and are unable to earn an income..
A disability can result from a number of causes, including an injury, a serious illness or a mental health issue. And the duration of a disability can be either short- or long-term.
When Disability Income Replacement Insurance is the best option for you:
- Self-employed, a contractor or a part-time worker
- Want coverage for injury only, or both sickness and injury
- oncerned about qualifying for traditional coverage
- Financial support for your beneficiaries when you pass away
- Want to top up group coverage or don't have group coverage
- Ages 18-55, Canadian Citizen or Permanent Resident / Landed Immigrant
- Working a minimum of 30 hours per week
The market offers different kinds of disability insurance coverage, including individual insurance plans and group insurance plans. You can also find the government plans such as workers’ compensation (WSIB) and benefits provided under the Canada Pension Plan.
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Disability Income Replacement Insurance | Traditional Life Insurance
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Disability Income Replacement Insurance Advantages:
Insure your paychequeThe ability to earn an income is one of your most valuable assets. Your ability to provide for yourself and your family could come under risk if you are unable to work. Disability insurance can help maintain your lifestyle until you are able to return to work
Safeguard your retirementIf you are unable to earn an income for an extended period, it could affect your ability to save for retirement. You may even need to withdraw from these savings to make ends meet. Disability insurance replaces a percentage of your income, so you may avoid having to withdraw money from your savings while you are unable to work
Flexible OptionsOur disability insurance plans offer a range of benefit and premium options to suit your occupation, income level, and other factors.
Fills Coverage GapCanada Pension Plan (CPP) and Quebec Pension Plan (QPP) disability benefits are limited and may be more restrictive.
Helps You Return to WorkMany of our plans provide a return to work benefits such as rehabilitation, job retraining, and other services to help you get back to work.
PortableMost employer-sponsored plans end if you leave your job. An individual disability income replacement insurance plan can go with you.
Word of advice:
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