What is Disability Coverage?
Disability coverage acts as a vital safety net for your income. If an accident or sickness keeps you from working, this protection provides benefits paid directly to you. These funds help you manage your daily bills and family expenses while you focus on what truly matters: your recovery and return to health.
will experience a disability that limits their daily activities. Protecting your income isn't just a choice—it's essential for family stability.
1 in 7 Canadians
Key Benefits of Your Coverage
Monthly Total Disability
Receive monthly benefits for total disability for up to 6 months, paid directly to you to cover essential bills and expenses.
Return-to-Work Program
Our coverage supports your journey back to employment with specific return-to-work benefits and guidance.
Partial Disability Benefit
If you can only perform some duties, get partial disability benefits for up to 30 days to bridge the income gap.
Accumulation & Added Protection
Gain accumulation benefits over time. Plus, this plan pays in addition to any other coverage you may already have.
Types of Coverage
Accident & Sickness
Comprehensive protection for both unexpected injuries and health-related challenges.
Accident Only
Focused coverage specifically for injury-related disabilities and recovery.
Choose a monthly benefit amount that fits your lifestyle, with coverage options up to $3,000 to help bridge the gap while you recover.
How It Works
01
Choose Your Coverage
Select the plan that fits your lifestyle: Accident & Sickness, Accident only, or Sickness only coverage options.
02
Customize Your Benefit
Select a monthly benefit amount that fits your lifestyle to ensure your essential bills and family expenses are fully protected.
03
Get Paid Directly
If you qualify for a covered disability, benefits are paid directly to you, in addition to any other insurance you have.
Disability Coverage FAQ
How long do disability benefits last?
Total disability benefits can be paid for up to 6 months per covered accident or sickness. Partial disability benefits are available for up to 30 days to support your return to work.
How does it work with my other insurance?
Our coverage pays benefits directly to you, in addition to any other insurance you may have. This helps cover gaps left by traditional plans and provides extra support for daily expenses.
What is the maximum benefit choice?
You can customize your coverage with a monthly benefit amount up to $3,000, depending on your income and specific needs.
What types of events are covered?
Options include Accident & Sickness, Accident only, or Sickness only coverage. This ensures you have income protection whether an unexpected injury or an illness keeps you from working.