Disability insurance is designed to protect you from the possible loss of income. What's the possibility of this happening? It's higher than you would imagine. Why should you consider it? It's the only sure way to provide guaranteed coverage and guaranteed premiums. Disability insurance will pick up where your income left off, in case you are unable to work due to illness or injury.

Key Benefits

• Protects your lifetime earning potential, which affects your ability to own a home, educate your children and retire comfortably
• Benefits are paid tax free
• Protection is covered under illness and injury

Why should you consider personal disability insurance?

• Worker's Compensation only covers work related accidents.
• Unemployment insurance only covers 15 weeks.
• Canada Pension Plan: Are you comfortable relying on the government for a benefit that can change?
• Group and association coverage can fill a valuable role in long-term disability protection. However, the benefit may be limited by the definition of disability and coverage amount.

Statistics

Chances of becoming disabled for 3 months or longer before age 65*