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Disability Insurance

Protect your paycheque

Disability insurance works when you can’t. It can give you tax-free monthly income to help pay expenses if an illness or accident stops you from working.

Monthly income

Payments replace part of your paycheque each month.


Guaranteed rates for your coverage until age 65.


Customize your plan to suit your personal needs.

What is disability insurance?

It can give you a tax-free monthly payment to help replace your income and cover your expenses if an illness or injury keeps you from working.


While a disability can often be visible to the naked eye, not all disabilities are so easily recognized. Chronic pain or a mental health issue can also qualify as a disability.

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How does it work?

  • Choose the amount you want and add optional benefits to customize your coverage.

  • Pay your monthly premium.

  • File a claim if you become disabled.

  • Receive your monthly payments when the waiting period ends. The waiting period is the number of days from the date you’re disabled until the benefit start date.

  • Your payments stop when your benefit period ends or you return to work.

Why do you need disability insurance?

It’s more common than you think

Up to 40% of Canadians become disabled for 90 days or longer before age 65.

Replaces most of your paycheque

Potentially receive up to 80-90% of your take home pay.

Protect your retirement savings

Disability insurance can help you meet your financial obligations so you may be able to avoid dipping into your retirement savings.

Let’s build a plan that works for you.

Our experts can help you figure out an insurance approach that works for your unique needs.

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