Disability Insurance: Protect Your Income and Your Peace of Mind
If an illness or accident prevents you from working, disability insurance secures your financial stability and protects your family.
Your income is your most valuable asset — protect it
Have you ever thought about what would happen if an illness or injury prevented you from working for weeks, months, or even permanently?
Disability insurance replaces 65% to 80% of your income (up to a policy maximum) when a doctor certifies that you are unable to work due to a temporary or permanent disability.
While some employers provide group insurance, it is often limited and can be lost if you change jobs. An individual policy ensures continuous protection, independent of your employer.
What’s the difference between group and individual disability insurance?
Do you have disability coverage through your employer? Make sure you review:
Muchos empleados creen que su seguro de grupo los cubre completamente en caso de incapacidad, pero no siempre es así. Antes de confiar en esa protección, considera:
Actual benefit amount:
Will it cover your basic expenses (rent, mortgage, utilities, food)?
Waiting period:
Some plans take up to 90 or 120 days before payments start.
Eligibility conditions:
Does it cover illness as well as workplace accidents?
Coverage duration:
What happens if you change jobs?
Exclusions and limits:
Group plans often have salary caps or job category restrictions.
Having a personal policy gives you control, continuity and peace of mind!
Main features of disability insurance
Ensure your financial stability during your recovery:
Income replacement of 65% to 80% of your gross income (up to the policy limit)
Coverage for temporary or permanent disability
Monthly payments as long as the disability continues
Coverage for accident, illness, or both
Portability if you change jobs
Access to rehabilitation and support services in selected plans
Frequently Asked Questions – Disability Insurance
What do I need to apply for disability insurance?
You will typically need:
- Valid ID.
- Proof of income (recent payslips or tax return).
- Employment information.
- Health questionnaire.
- Some insurers may require a medical exam depending on the coverage amount.
How much does disability insurance pay?
Most policies pay between 65% and 80% of your gross income, up to a defined maximum. This helps maintain financial stability while encouraging a return to work.
How long can I receive benefits?
It depends on your policy:
- Some cover up to 2 years (temporary disability).
- Others until retirement age if the disability is permanent.
When do payments start?
Each policy defines a waiting period (typically 30 to 120 days).
What if I already have group disability insurance?
You can keep both. Your individual policy can complement your group plan or protect you if you lose your job.
Are mental health conditions covered?
Some policies offer limited coverage for depression, anxiety or workplace stress, often for 12 or 24 months. It’s important to review this before purchasing.
Your ability to generate income deserves protection.
Request your personalized quote today and secure your family’s financial stability against the unexpected.
Confianza basada en experiencia real
Más de una década ayudando a familias y profesionales en Quebec a proteger su fuente de ingresos
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Jhon william
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