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Disability Insurance

Protect your income when everything stops

Disability can strike without warning: illness, accident, burnout, or medical complications. Yet, few realize the risk of disability is higher than death before age 65.

Disability insurance is designed to replace your income or cover mandatory payments if you become temporarily or permanently unable to work. It allows you to pay your mortgage and bills while maintaining your quality of life.

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Assurance invalidité

Why is it essential in Quebec and Canada?

  • The majority of disabilities are caused by illness, not accidents.
  • Government benefits are limited and often insufficient.
  • A prolonged work stoppage can lead to rapid debt.
  • Self-employed workers often have little or no coverage.

Who is Disability Insurance for?

The more your income depends on your ability to work, the more crucial this protection is. Recommended for:

  • Salaried Employees
  • Self-Employed Workers
  • Professionals (Doctors, Lawyers)
  • Business Owners
  • New Parents
  • Young Professionals

Types of Disability Insurance

1. Short-Term Disability

Protects your income when you are temporarily unable to work (unexpected).

  • Duration: approx. 3 to 6 months
  • Coverage: 60 to 85% of income
  • Ideal for employees with incomplete group insurance.

2. Long-Term Disability

Takes over when the disability exceeds short-term coverage.

  • Duration: up to age 65 (or 2, 5, 10 year limits)
  • Coverage: 60 to 70% of income
  • Recommended for self-employed, professionals, and entrepreneurs.

What does Disability Insurance cover?

A tax-free monthly income
Protection for partial or total disability
Benefits until return to work or age 65
Definition adapted to your actual profession
Sums to cover monthly payments (mortgage, rent, debt)
Fixed business expenses for professionals

Cheat Sheet: Key Contract Terms

Amount paid to replace income (tax-free if you pay premiums personally).

Time to wait before payments start (0 to 120 days). Longer wait = lower premium.

How long you receive payments (e.g., 2 years, 5 years, or to age 65).

Determines who qualifies for benefits (Own Occupation vs. Any Occupation).

Understanding Disability Definitions

Definition Flexibility & Advantage
Own Occupation Most flexible. You get paid if you cannot do YOUR job, even if you work elsewhere.
Regular Occupation Intermediate. Paid if you cannot do your regular job and are not working elsewhere.
Any Occupation Least flexible. Paid only if you cannot perform ANY job suited to your education.
Understanding these definitions is crucial when making a claim.

How to Subscribe?

1. Group Insurance (Employer)

Often cheaper, easy enrollment, but standardized coverage that may be insufficient for high earners.

Learn more

2. Individual Insurance (Custom)

Ideal for self-employed or as a top-up. Benefits are generally tax-free.

Learn more

Benefits for Employers (Group Plans)

A benefits program is a strategic investment for profitability.

Talent Retention

Improves loyalty. Companies with low turnover are 23% more profitable.

Attraction

Positions the company as an Employer of Choice.

Reduced Absenteeism

Absenteeism costs billions. Support reduces long-term disability risks.

Productivity

physically and mentally healthy employees are more productive.

FAQ

Insurance that pays a monthly income if you cannot work due to illness or accident.

Because work stoppage leads to immediate income loss, while expenses continue.

No. They rarely cover actual financial needs.

Usually between 60% and 70% of your gross income.

It depends on age, profession, income, health, and chosen coverage amount.
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Why consult an advisor?

You are the money-printing machine. An advisor helps build a custom plan for self-employed workers, to top up group coverage, or cover business overhead.

Preserve your efforts and peace of mind.
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