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Your income is your most valuable asset — protect it.
Disability insurance replaces a portion of your income if an illness or injury prevents you from working. It keeps your bills paid and your life on track during recovery.
Disability insurance pays you a monthly benefit — typically up to 85% of your pre-disability income — if you become unable to work due to illness or injury.
Unlike workers' compensation, which only covers workplace injuries, individual disability insurance covers any condition that prevents you from doing your job, including mental health conditions, chronic pain, and recovery from surgery.
You choose your elimination period (how long you wait before benefits start) and benefit period (how long benefits are paid — from 2 years up to age 65).
No employer-sponsored sick leave or group disability means a single injury could eliminate your income entirely.
If your household depends on your income for rent, groceries, and bills, disability insurance keeps everything running.
Trades workers, healthcare professionals, and other physically demanding jobs carry higher disability risk.
The more you earn, the more you have to lose. Group plans often cap benefits, leaving a significant gap.
Depression, anxiety, PTSD, and other mental health conditions that prevent work.
Back injuries, joint problems, and chronic pain conditions.
Heart conditions, stroke recovery, and related rehabilitation periods.
Income replacement during chemotherapy, radiation, and recovery.
Post-surgical recovery periods where you cannot return to work.
MS, fibromyalgia, Crohn's disease, and other long-term conditions.
Answer a few simple questions and get a personalized coverage recommendation — then compare quotes from Canada’s top insurers.
Launch CalculatorReceive a lump-sum payment upon diagnosis of a covered serious illness.
Learn MoreUse my free calculator to find the right disability insurance coverage — it takes less than 3 minutes.