Insurance Service

Disability Insurance

Protect your most valuable asset - your ability to earn income. Get comprehensive disability coverage for when you need it most.

Disability Insurance coverage and planning
Service Overview

Why Disability Insurance is Essential

Your ability to earn income is likely your most valuable asset. If an illness or injury prevents you from working, disability insurance provides essential income replacement to help you maintain your standard of living and meet your financial obligations.

Key Features

Comprehensive Income Protection

Choose the coverage that fits your needs and occupation

Income Replacement

Protect your ability to earn income when you cannot work due to disability.

  • Replace 60-85% of your monthly income
  • Tax-free benefits in most cases
  • Coverage for own occupation or any occupation
  • Benefits continue until recovery or age 65

Short & Long Term Options

Coverage options for both short-term and long-term disability situations.

  • Short-term: Coverage up to 2 years
  • Long-term: Coverage to age 65
  • Elimination periods from 30 days to 2 years
  • Partial and residual benefits available

Flexible Benefits

Choose benefit amounts and features that fit your needs and budget.

  • Cost of living adjustments available
  • Future increase options without medical exams
  • Return to work incentives
  • Waiver of premium benefits included
Detailed Information

Types of Disabilities Covered

Our disability insurance covers a wide range of conditions that can affect your ability to work, providing comprehensive protection for your income.

Illness-Related Disability

Coverage for disabilities caused by illness and medical conditions

  • Cancer and other serious illnesses
  • Heart disease and cardiovascular conditions
  • Mental health conditions and stress disorders
  • Chronic diseases and progressive conditions

Injury-Related Disability

Protection against disabilities resulting from accidents and injuries

  • Work-related and non-work-related injuries
  • Motor vehicle accidents
  • Sports and recreational injuries
  • Home and workplace accidents

Partial & Residual Benefits

Support when you can work part-time or at reduced capacity

  • Proportional benefits for reduced income
  • Return to work transition benefits
  • Rehabilitation and retraining support
  • Workplace accommodation assistance

Don't Risk Your Financial Future

Statistics show you're more likely to become disabled than to die during your working years. Protect your income today.