Disability insurance replaces a portion of your income if illness or injury stops you from working, so your bills, mortgage, and family stay protected.
Replaces your paycheque while you recover.
Benefit periods that match your situation.
Covered whether it happens at work or not.
It pays a regular, often tax-free, monthly benefit to replace part of your income when a covered illness or injury stops you working — from a back injury to cancer recovery. You're more likely to be off work for a spell than to pass away during your working years.
Anyone who depends on their paycheque — but especially:
Two layers of protection — many people combine both.
| Short-term | Long-term | |
|---|---|---|
| Kicks in | Quickly | After a waiting period |
| Pays for | Weeks to months | Years — up to retirement |
| Best for | Temporary setbacks | Serious, lasting conditions |
The right benefit and waiting period depend on your savings and expenses — I'll help you set them.
60–70%
of your income, typically replaced
Tax-free
when you pay the premiums yourself
Monthly
benefit paid while you recover
No pressure, no jargon — just a clear path from your first question to being covered.
We talk through your situation, family, and what's on your mind — in person, by phone, or online.
I work out exactly what you need (and what you don't), so you never over-buy.
I shop multiple insurers and lay the choices out side by side in plain language.
I handle the paperwork with you and follow up with the insurer on your behalf.
Free annual reviews, and I'm here to guide you through any future claim.
We can meet in person, hop on a call, or connect virtually. Whatever feels easiest and most comfortable for you.
Book a free, no-pressure consultation. I’ll explain your options in plain language and help you choose with confidence.
