· 
Buy Disability Insurance Across Canada
Disability insurance helps replace your income if illness or injury prevents you from working. Get expert, independent advice on coverage that fits your situation.
Serving Ontario, Alberta, British Columbia, Manitoba, New Brunswick, Nova Scotia, and Saskatchewan.
Disability Insurance Across Canada
Disability insurance helps replace your income if illness or injury prevents you from working. Get expert, independent advice tailored to your situation.
Serving Ontario, Alberta, British Columbia, Manitoba, New Brunswick, Nova Scotia, and Saskatchewan.
Independent advice, straight answers, and zero pressure.
Why choose Disability Insurance?
Disability insurance is designed to replace a portion of your income if illness or injury prevents you from working. Rather than relying on savings or reducing your standard of living, monthly disability benefits can help cover everyday expenses while you focus on recovery.
- Provides monthly income replacement if you are unable to work due to illness or injury.
- Helps cover essential expenses such as housing, utilities, and daily living costs.
- Policy terms can be tailored to your occupation, income level, and budget.
- Premiums are typically guaranteed for the duration of the policy.
- Benefits can continue for a defined period or until age 65, depending on the plan.
- Offers financial stability during recovery without relying on savings or debt.
Disability insurance is one of the most important forms of income protection for working Canadians, particularly those who rely on their ability to earn an income.
Group or Association Coverage vs Individual Disability Insurance
Group or association disability coverage can be a helpful starting point. Individual disability insurance is often the stronger long-term solution because it is portable, customizable, and built around your occupation and income.
| Feature | Group / Association | Individual Coverage |
|---|---|---|
| Policy ownership | Often owned by your employer or association. | You own and control the policy. |
| Portability | May be reduced or lost if you change jobs or leave the association. | Typically stays in force even if you change jobs. |
| Definition of disability | Often shifts to an “any occupation” definition after a period of time. | Stronger “own occupation” definitions are often available. |
| Benefit amount | Usually capped and may not reflect bonuses or variable income. | Designed around your income and occupation. |
| Tax treatment | Benefits are often taxable if the employer pays premiums. | Benefits are typically tax-free when premiums are paid personally. |
| Long-term stability | Terms and benefits can change at renewal. | Policy terms are usually locked in at issue. |
- Coverage is tied to your employer or association.
- May be reduced or lost if employment or membership changes.
- Definitions can be weaker, sometimes shifting to “any occupation.”
- Benefit amounts are often capped.
- Benefits may be taxable if premiums are employer-paid.
- Terms can change at renewal.
- You own and control the policy.
- Coverage typically follows you even if you change jobs.
- Stronger “own occupation” definitions are often available.
- Benefits can be structured around your income and occupation.
- Benefits are typically tax-free when premiums are paid personally.
- Terms are usually locked in at issue.
Note: Coverage details vary by insurer and plan design. A licensed advisor can confirm definitions, benefit limits, and tax treatment based on your situation.
Get Disability Insurance coverage in 3 easy steps
1
Enter your details
2
Speak to a licensed agent
3
Get covered
Insurers we work with
