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.)

What is disability insurance?

Disability insurance provides you with a portion of your income in the event that you suffer from an illness or accident which means that you can’t work, either temporarily or on a permanent basis.

Studies show that you are actually more likely to sustain a disability during the course of your working life than to die whilst of working age. A disability can have a dramatic and long-term impact on your earning potential – in fact, the Council for Disability Awareness has found that the average absence from work for a long term disability is nearly three years.*