Protect Your Paycheque

Disability Insurance

Disability Insurance

Disability insurance works when you can’t.

Did You Know?

If a disability lasts longer than 90 days, it typically lasts 2–3 years.

(Source: RBC Insurance)

A 35-year-old faces about a 50% chance of a disability lasting 90+ days before age 65.

(Source: RBC Insurance)

Mental health is the #1 cause of long-term disability claims and represents 40% of long-term disability (LTD) claims in 2024.

(Source: Sun Life)

EI sickness only pays 55% of earnings (up to $695/week) for up to 26 weeks—then it stops.

(Source: Government of Canada).

What is Disability Insurance?

What is Disability Insurance?

A monthly, tax-free benefit up to approximately 70% of your gross (pre-tax) income if an illness or injury prevents you from working. It is paid after a pre-determined waiting period (30/60/90/120 days). It also doesn’t have to be a visible disability

- Chronic pain or a mental health issue can also qualify.

A monthly, tax-free benefit up to approximately 70% of your gross (pre-tax) income if an illness or injury prevents you from working. It is paid after a pre-determined waiting period (30/60/90/120 days). It also doesn’t have to be a visible disability

- Chronic pain or a mental health issue can also qualify.

What’s the process?

Discovery Call (No Pressure):

A short, no-obligation chat to understand your goals, family, budget, and timeline—just the essentials.

Book a Call Here

1

Discovery Call (No Pressure):

A short, no-obligation chat to understand your goals, family, budget, and timeline—just the essentials.

Book a Call Here

1

Discovery Call (No Pressure):

A short, no-obligation chat to understand your goals, family, budget, and timeline—just the essentials.

Book a Call Here

1

Customize Your Plan:

Decide on a monthly benefit (% of income), waiting period (the period you have to wait before receiving benefits - the longer the waiting period, the lower the monthly premium), and how long benefits are payable (5 years, 10 years, to age 65 - Benefits can only be paid until a maximum of age 65).

2

Customize Your Plan:

Decide on a monthly benefit (% of income), waiting period (the period you have to wait before receiving benefits - the longer the waiting period, the lower the monthly premium), and how long benefits are payable (5 years, 10 years, to age 65 - Benefits can only be paid until a maximum of age 65).

2

Customize Your Plan:

Decide on a monthly benefit (% of income), waiting period (the period you have to wait before receiving benefits - the longer the waiting period, the lower the monthly premium), and how long benefits are payable (5 years, 10 years, to age 65 - Benefits can only be paid until a maximum of age 65).

2

Insurability Check (No Commitment):

We submit an application to see if you’re insurable. This doesn’t bind you to anything; underwriting may ask for extra info.

3

Insurability Check (No Commitment):

We submit an application to see if you’re insurable. This doesn’t bind you to anything; underwriting may ask for extra info.

3

Insurability Check (No Commitment):

We submit an application to see if you’re insurable. This doesn’t bind you to anything; underwriting may ask for extra info.

3

If you can’t work:

File a claim, the insurance company may ask for medical information. Benefits begin once your waiting period ends. The benefit stops when you recover or the benefit period ends.

4

If you can’t work:

File a claim, the insurance company may ask for medical information. Benefits begin once your waiting period ends. The benefit stops when you recover or the benefit period ends.

4

If you can’t work:

File a claim, the insurance company may ask for medical information. Benefits begin once your waiting period ends. The benefit stops when you recover or the benefit period ends.

4

FAQ Section

FAQ Section

We know insurance can be confusing that’s why we’re here to break it down.

We know insurance can be confusing that’s why we’re here to break it down.

Want to know what it looks like for you?

Want to know what it looks like for you?

Want to know what it looks like for you?

What does it cost?

What would I give up if I became disabled before retirement?

Do I need disability insurance if I have it through an employer?

Should I have disability insurance if I’m self-employed?

What does it cost?

What would I give up if I became disabled before retirement?

Do I need disability insurance if I have it through an employer?

Should I have disability insurance if I’m self-employed?

What does it cost?

What would I give up if I became disabled before retirement?

Do I need disability insurance if I have it through an employer?

Should I have disability insurance if I’m self-employed?

Ready to take action?!

Get Your Quote

Get Your Quote

Book a Call

Book a Call