Your paycheck is your
biggest asset.
If you can't work due to injury or illness, Disability Insurance replaces your monthly income so you can keep paying the mortgage, bills, and groceries.
Monthly Benefit
Deposit
Tax-free income replacement
Waiting Period
90 Days
Benefit Period
To Age 65
Income Replacement
Replaces 60-80% of your gross income. The payouts are tax-free if you pay the premiums personally.
Injury & Illness
Covers you if you can't work due to an accident (like a fall) OR an illness (like cancer or depression).
Own Occupation
If you can't do your specific job, you get paid. Even if you can physically do a simpler job.
It happens more than you think.
People will be disabled for 90 days or more before age 65.
The average duration of a disability claim for someone under 50.
"Doesn't WCB cover me?"
Workers' Comp only covers you if you get hurt on the job.
But most disabilities happen outside work (illness, weekend accidents) where WCB pays $0.
Customizing your plan.
You control the cost by adjusting these 3 levers.
Waiting Period
How long you wait before payments start.
Longer wait = Cheaper rate.
Benefit Period
How long the payments last if you stay sick.
Shorter period = Cheaper rate.
Coverage Amount
How much monthly income you need.
Less coverage = Cheaper rate.
Common Questions
Secure your income.
Don't risk your financial future on a "maybe". Get a quote for paycheck protection today.