🏥 Disability Insurance

Disability Insurance — Protect Your Biggest Asset

Your ability to earn an income is your most valuable asset. If illness or injury leaves you unable to work, disability insurance replaces up to 85% of your income so your family stays financially secure.

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Disability Insurance Income Protection Canada

Why Disability Insurance?

1 in 3 Canadians Will Be Disabled Before Retirement

Most people insure their home and car — but forget to insure the income that pays for everything. A serious illness or injury can stop your paycheque overnight. Disability insurance ensures it doesn't stop your life.

Whether you're employed, self-employed, or a business owner, I'll design a policy that fits your occupation, income, and risk profile — ensuring you receive the maximum benefit if you ever need it.

Up to 85% of your pre-disability income
Short-term and long-term options
Own-occupation definition available
Critical for self-employed Canadians
Tax-free benefits (personally-owned policies)
Residual / partial disability riders available

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Key Features

What to Look For in a Disability Policy

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Own-Occupation Definition

The gold standard. Pays if you can't perform your specific occupation — even if you could do a different job. Critical for professionals like doctors, lawyers, and tradespeople.

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Elimination Period

The waiting period before benefits begin — typically 30, 60, 90, or 120 days. A longer elimination period means lower premiums. I'll help you choose what makes sense given your savings.

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Benefit Period

How long benefits are paid — 2 years, 5 years, or to age 65. For long-term security, a "to age 65" benefit period is strongly recommended for most Canadians.

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Cost of Living Rider

Ensures your benefit increases with inflation during a long-term disability claim. Vital for protecting your purchasing power over a multi-year claim.

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Guaranteed Renewable

The insurer cannot cancel your policy or raise your premiums individually as long as you pay. Non-cancellable policies also lock in your premium permanently.

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Group vs. Individual

Group coverage through an employer is helpful but rarely enough. Individual disability insurance is portable, more comprehensive, and pays tax-free benefits.

Frequently Asked Questions

Disability Insurance Questions Answered

Group coverage is a good start but is usually limited to 60-70% of income, is taxable when paid by your employer, and disappears if you change jobs. Individual disability insurance fills the gaps and gives you portable, comprehensive protection.

Absolutely. In fact, it's even more important for self-employed Canadians since you have no employer benefits at all. I specialize in finding the right individual policies for entrepreneurs, contractors, and small business owners.

Most disabilities are covered — from physical injuries to mental health conditions (depression, anxiety), cancer recovery, and chronic illnesses. Mental health claims are actually among the most common disability claims in Canada today.

Typically, you want to cover 70-85% of your gross income. I'll analyze your expenses, existing coverage, and income to calculate the exact benefit amount you need.

If you pay premiums personally (not through an employer), your benefits are received completely tax-free. This is a major advantage of personally-owned disability insurance.