Disability Insurance

Disability insurance can help protect you and your family from an unexpected illness or accident that leaves you unable to work and earn an income.

 

Generally, disability insurance replaces between 60% and 85% of your regular income, up to a maximum amount, for a specified time if you:

  • temporarily can't work

  • are permanently disabled due to an injury or illness

Short-Term Disability Insurance

  • Short-term disability coverage typically provides benefits for up to 6 months while you're sick or injured.

Long-Term Disability Insurance

  • Long-term disability insurance benefits generally begin when the following benefits end:

  • short-term disability insurance

  • sick leave benefits from your employer

  • EI benefits

  • Most long-term disability plans will replace 60% to 70% of your normal income.

  • Each disability plan is different. Some may provide disability benefits for up to two years if you're unable to return to the job you had before becoming disabled. After two years, you may continue to receive benefits only if you're unable to work at any job.