Disability Insurance
Protect Your Income
Your ability to earn income is among your most valuable assets. If illness or injury stops you from working, disability insurance ensures your family's financial security continues.
Insurance services are provided through CUCULINK INC. and its licensed insurance representative(s).
Canadians will experience a disability lasting 90+ days before age 65
Of disabilities are caused by illness — not accidents
Average duration of a long-term disability claim
Disability Insurance Is Especially Critical For
Employees Without Group Coverage
Many employers don't offer adequate disability coverage — or none at all.
Business Owners & Self-Employed
No fixed salary, no group benefits — your income stops the moment you stop working.
High-Income Professionals
Doctors, lawyers, engineers — your high income deserves protection with an "Own Occupation" definition.
Newcomers to Canada
No Canadian insurance history? We help you build the right coverage from the ground up.
Choose the Right Disability Coverage
Short-Term Disability
Short-Term Disability
Replaces income for a few weeks to 6 months — covers recovery from surgery, illness, or injury when you expect to return to work.
Long-Term Disability
Long-Term Disability
Monthly income replacement for extended periods — from 2 years up to age 65 — for serious illness or permanent disability.
Business Overhead Expense
Business Overhead Expense
For business owners — covers rent, staff salaries, and operating costs while you're unable to work, so your business survives.
What to Look for in a Disability Policy
Up to 70–85% of Income
Most policies replace 60–85% of your pre-disability income — tax-free if you pay the premiums personally.
Own Occupation Definition
The best policies pay if you can't perform your specific occupation — not just any job. Critical for professionals.
Portable & Independent
Unlike group benefits tied to your employer, individual disability insurance stays with you if you change jobs.
Cost of Living Adjustment
Optional COLA rider increases your benefit with inflation so your purchasing power is protected over time.
Individual vs. Group Disability Insurance
Group coverage from your employer may seem sufficient — but it ends when your employment ends
| Feature | Individual Policy | Group Policy |
|---|---|---|
| Continues if you change jobs | ||
| "Own Occupation" definition | ||
| You control the policy terms | ||
| Covers self-employment | ||
| Cost of Living Adjustment (COLA) | ||
| Tax-free benefit* | ||
| Easy to obtain | ||
| Employer shares the premium |
* Benefit is tax-free when the employee pays the premiums personally — tax treatment differs when the employer pays.
Important: Group Coverage Ends With Your Job
If you leave your job or your contract is terminated while you're disabled, your group coverage may end immediately. An individual policy stays with you regardless of your employment status — and that's the critical difference.
Bank Branch Insurance Is Limited to Certain Authorized Products
Bank branch employees may offer certain bank-authorized insurance products, but they are not generally licensed to advise on the broader range of personal insurance solutions available through licensed insurance professionals.
Unsure How Much Coverage You Need?
Use our free Financial Needs Analysis (FNA) to calculate the right type, amount, and term of coverage for your family or business — no obligation.
Important Insurance Information
Insurance products are subject to eligibility and underwriting requirements and to the terms, conditions, limitations and exclusions of the applicable policy or contract.
Clients should review the complete policy wording and related documents carefully before purchasing coverage for full details of benefits, limitations, exclusions and conditions.
The information provided on this page is for general educational and informational purposes only and does not constitute a contract of insurance or a guarantee of coverage.
Protect Your Income Today
We work with 20+ insurers and financial partners to design the right disability plan for your occupation, income, and budget — free consultation, no obligation.