Disability Insurance
Protect Your Income If You Cannot Work
Your ability to earn an income is likely your most valuable financial asset. Disability insurance protects it if illness or injury keeps you from working.
- Licensed in Canada
- Free, no-obligation advice
- English & Farsi
Why it matters
Disability Insurance at a Glance
01
Replaces income
Typically pays a portion of your income, often around 60 to 70 percent, while you cannot work.
02
Often tax-free
Benefits from a policy you pay for personally are generally received tax-free.
03
Fills the gaps
Group plans may not replace enough of your income, or for long enough.
Your options
Short-Term or Long-Term?
Many people need both, especially if they have no coverage through work.
Weeks to months
Short-Term Disability
Covers you soon after an illness or injury
- Pays for a limited period
- Shorter waiting period before benefits start
- Often included in group plans
Years, up to retirement
Long-Term Disability
Protection for serious, lasting conditions
- Starts after a waiting period, often 90 days or more
- Can pay until age 65 depending on the policy
- Own-occupation options for professionals
Is this for you?
Who Should Consider It?
If your family relies on your paycheque, your income is worth protecting.
- Anyone who relies on their income to support their family
- Self-employed people and business owners
- Professionals in specialized or physical roles
- Anyone without several months of savings set aside
How it works
Four Simple Steps
- AssessWe review your income, occupation, and existing coverage.
- Find gapsWe identify where your income protection falls short.
- CompareWe compare plans to find the right coverage and waiting period.
- Claim supportIf you ever need to claim, we help guide you through it.
Questions
Frequently Asked Questions
How much of my income can I insure?
Insurers usually limit coverage to a portion of your income, often around 60 to 70 percent, so you are not better off disabled than working.
What is a waiting period?
It is the time between becoming disabled and when benefits start, such as 30, 90, or 120 days. A longer waiting period usually lowers the premium.
What does own-occupation mean?
An own-occupation policy pays if you cannot do your specific job, even if you could work in a different role. It matters most for specialized professionals.
Is there coverage for business expenses?
Yes. Business overhead expense insurance can cover costs like rent and payroll while a business owner cannot work.
Talk to an advisor
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Sina Kia
Founder & Licensed Advisor
Mana Mohamadi
Licensed Advisor
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Coverage, benefits, and exclusions vary by insurer and policy and are confirmed in the policy contract. This page is for general information and is not personalized advice. Disclosure