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What is Disability Insurance?

Disability insurance offers you protection against a loss of income should you become disabled. It can replace a substantial portion of your paycheque (typically 60-85%) whether the loss of your earning ability was due to a sudden accident or a degenerative illness. This payment is made to you until you resume working or until the end of a pre-determined disability coverage period – whichever of the two comes first.

Why do I need Disability Insurance?

If you have dependents that rely on your regular income for housing costs, require your paycheque to support your own and your dependents’ living expenses, have limited savings or investments, or have significant financial obligations, you should definitely consider disability insurance to protect your long term financial health, should something compromise your bodily health.

What does Disability insurance cover?

Serious illness

Mental illness

Serious injury


Certain extractions, like wisdom teeth removals.