Disability insurance replaces a portion of your income if you become unable to work due to illness or injury. Your ability to earn is your most valuable asset - protect it.
Key Fact: 1 in 4 Canadians will experience a disability lasting more than 90 days before age 65.
Average Disability Duration: The average long-term disability claim lasts nearly 3 years.
Average Disability Duration: The average long-term disability claim lasts nearly 3 years.
Why Disability Insurance Matters
Income Replacement
Receive monthly payments to cover your expenses when you can't work.
Maintain Your Lifestyle
Keep paying your mortgage, bills, and other obligations.
Protect Your Savings
Don't deplete retirement savings or emergency funds during recovery.
Peace of Mind
Focus on recovery knowing your family's finances are protected.
Types of Disability Insurance
- Short-Term Disability: Covers the first weeks/months of disability (typically up to 6 months)
- Long-Term Disability: Kicks in after short-term ends, can last until age 65
- Own Occupation: Pays if you can't do YOUR specific job
- Any Occupation: Pays if you can't do ANY job suited to your education/experience
What Causes Disability?
- Mental Health: Depression, anxiety, and stress are leading causes
- Musculoskeletal: Back injuries, arthritis, and joint problems
- Cancer: Treatment often requires extended time away from work
- Heart Disease: Heart attacks and cardiovascular conditions
- Accidents: Injuries from car accidents, falls, and other incidents
Key Policy Features to Consider
- Benefit amount (typically 60-70% of gross income)
- Waiting period before benefits begin
- Benefit period (how long payments continue)
- Definition of disability (own vs. any occupation)
- Cost of living adjustments
- Partial disability benefits for returning to work part-time
Protect Your Most Valuable Asset
Our advisors will help you find disability coverage that fits your needs and budget.
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