Short-Term Disability
Income protection for a shorter disability period.
- Can help cover immediate income gaps
- Benefit period is usually shorter
- May be useful for employees or self-employed clients
Common options to compare
Long-Term Disability
Monthly income replacement for longer-lasting disability.
- Helps protect lifestyle and financial obligations
- Benefit amount depends on income and occupation
- Waiting period and benefit period are key choices
Business / Self-Employed Disability
Coverage options for business owners and professionals.
- Can help protect personal or business income
- Occupation class and duties are important
- May require income documentation
What to keep in mind
- Monthly benefit options are typically quoted in $500 increments up to the selected maximum.
- Occupation, income, health, and existing coverage affect eligibility.
- Definitions such as own occupation and any occupation should be reviewed carefully.
This page is for general information only. Availability, eligibility, pricing, covered benefits, exclusions, and underwriting rules vary by insurer, province, age, health, and policy wording. A licensed advisor should review your needs before you buy coverage.