Protect Your Income. Protect Your Future.
Your ability to earn income is your most valuable asset. Disability insurance ensures that a health crisis doesn't become a financial one — for you or your family.
Canadians will experience a disability lasting 90+ days before age 65
of your income can be replaced by a quality long-term disability policy
more likely to be disabled before 65 than to die — yet most people have life but not disability coverage
maximum annual Canada Disability Savings Grant (CDSG) from the federal government
Coverage & Programs
Tap the ⓘ icon to understand each type of disability coverage and government support program.
Income replacement for temporary disabilities (up to 2 years)
Ongoing income protection — often to age 65
Pays if you can't perform YOUR specific job
Lump-sum payout upon diagnosis of a serious illness
Government-matched savings for Canadians with disabilities
How private insurance works alongside government support
Who Needs Disability Insurance?
Self-Employed Professionals
No employer plan — you must arrange your own coverage
Parents & Single-Income Households
One illness could derail the entire family's finances
High-Income Earners
Government programs replace very little of a high income
Those Without Group Benefits
Part-time, contract, or gig workers are often unprotected
Disability Resource Hub
ODSP · Ontario Works · RDSP · Eligibility guides
Understand how Ontario's disability support programs work — and how to coordinate them with private insurance for maximum benefit.
View Resource HubGet a Disability Quote
Marie will assess your situation and recommend the right coverage — whether that's individual disability, a critical illness rider, or coordinating with your employer plan.
What to Look for in a Policy
Not all disability policies are equal. These are the key factors that determine real-world value.
Own Occupation Definition
The gold standard. You're disabled if you can't do YOUR job — not just any job.
Benefit Period
Look for coverage to age 65, not just 2 or 5 years. Long disabilities are most costly.
Elimination Period
The waiting period before benefits begin. 90 days is common — have 3 months' savings as a buffer.
Non-Cancellable & Guaranteed Renewable
The insurer cannot raise your premiums or cancel the policy as long as you pay.
Cost of Living Adjustment (COLA)
Benefits increase with inflation over time, protecting your purchasing power.
Partial/Residual Disability Rider
Pays a partial benefit if you return to work part-time or at reduced income during recovery.