Protect your income. Protect your future.
Disability Insurance helps you stay financially secure if an illness or injury prevents you from working. It provides income support so you can continue meeting your monthly financial obligations while you recover.
Why your ability to earn matters most
Your ability to earn an income is your most valuable asset, not your home, your car, or your savings. It’s what allows you to support your lifestyle, your goals, and your family. Disability insurance helps protect that income and ensures your life stays on track, even if you can’t work.
Too many Canadians ignore the risk until it’s too late
A sudden loss of income can change everything. These numbers show why protecting it matters.
We insure our homes, cars, and even vacations, yet rarely protect the one thing that makes it all possible, our ability to earn an income. An unexpected illness or injury can happen to anyone, at any time, leaving bills unpaid and plans on hold. Disability Insurance helps replace lost income so you can stay focused on recovery, not financial stress.
of Canadians have discussed how a disability would impact them financially.
of Canadians say they couldn’t pull together $2,000 in a month for an emergency expense.
of Canadians believe they’d face financial difficulty if their pay was delayed by just one week.
of self-employed Canadians don’t have disability insurance, leaving them financially vulnerable if illness or injury strikes.
What can Disability Insurance be claimed for?
You can use your Disability Insurance benefits to replace lost income, pay for ongoing medical expenses, seek additional medical opinions, or support your continued rehabilitation.
Serious Illness
Coverage during major health challenges
Mental Illness
Support for recovery and treatment
Serious Injury
Protection when accidents change plans
Hospitalization
Help with costs while you heal
Common Questions
Unlocking the power of insurance together.
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What is disability insurance?
Disability insurance replaces a portion of your income if you’re unable to work and perform your job duties due to illness or injury.
How much income does it replace?
Most policies cover between 60–85% of your income, depending on the plan.
How long do benefits last?
Coverage can be short-term or long-term, lasting months or even until retirement.
Do I still need it if I have savings?
Savings help, but disability insurance provides steady income so your savings don’t run out during recovery.
What qualifies as a disability?
This depends on the policy, but generally includes conditions that prevent you from performing your job duties.