Disability Insurance

  • Disability Insurance replaces a portion of¬† your monthly income in case you become too sick or hurt to work.
  • If you are not a member of an Employee Benefits Programs or Group Insurance Plan, individually owned Disability Insurance helps protect a portion of your income and provides financial protection if you become disabled for an extended period of time.
  • Disability income insurance protection eases the burden of having to continue to pay the bills or maintain your lifestyle at a time when you are most vulnerable.
  • In general, premiums are higher for policies that: provide more monthly benefits, pay ¬†benefits for a longer period of time, and start benefits more quickly following a disability.
  • In general, Disability Insurance benefits are tax free.


  • Protects a percentage of your earned income to help maintain your current lifestyle.
  • Can complement existing Disability, Long Term Care, and Critical Illness benefit coverage that may be available to you.
  • Your individually-owned Disability Insurance policy is fully portable. You and can take it with you throughout your career.
  • Long Term Disability benefits are usually tax free.
  • There are flexible solutions for various income brackets and occupation.

To find out if you can purchase Disability Insurance contact us.

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