Disability Insurance

• Replaces up to 85% of your pre-disability income
• Short-term and long-term disability options
• Own-occupation definition available for professionals
• Non-cancellable and guaranteed renewable options
• Individual or group plan options
• Tax-free benefits when premiums paid personally

Why Disability Insurance Is Critical

Statistics Canada reports that 1 in 3 working Canadians will experience a disability lasting 90+ days before age 65. Most disabilities are caused by illness, not accident.

Own-Occupation vs. Any-Occupation

'Own-occupation' policies pay if you can't perform your specific job — ideal for physicians, dentists, and skilled professionals. 'Any-occupation' policies only pay if you can't work at all.

Individual vs. Group Coverage

Group plans through your employer are convenient but often limited, taxable, and not portable. An individual policy belongs to you, travels with you, and typically offers better definitions.