Your earning potential is a far more valuable asset than your automobile or your home. There is a type of insurance designed to protect you form possible loss of income and is often called Disability insurance. It can replace a portion of your earnings when an accident or illness causes you to become disabled and provide you with financial security.

At the time of disability, there is a gap between income and expenses which can be replaced with personal and business disability insurance solutions that offer flexibility and features.

Why is disability insurance plan important?

• Only accidents related injuries are covered under Worker’s Compensation.
• Only 15 weeks are covered by unemployment insurance.
• Would you like to rely on government for a benefits that can change such as Canada Pension Plan?
• Group benefit coverage can fill a valuable role in long-term disability protection but the benefit may be limited by the definition of disability and coverage amount.

Disability insurance (DI )provides income protection to a wide variety of disabled professionals such as lawyers or doctors, small business owners like plumbers or carpenters, leading business executives, as well as full- or part-time or home-based workers.

Disability insurance benefits are payable on a monthly basis during a disability for upto the benefit period of the contract. The policy continues even after you recover from disability, usually payable again for a subsequent or recurring disability.