Disability Income Insurance
Protect your paycheck if you can't work.
Your ability to earn an income is your most valuable asset. Disability Income Insurance replaces a portion of your paycheck (typically 60–70%) if illness or injury prevents you from working. Essential for self-employed professionals and anyone whose family depends on their income.
What's included
- Replace up to 70% of income, tax-free
- Own-occupation definitions for professionals
- Short-term and long-term options
- Business overhead expense for owners
Frequently asked questions
What is 'own-occupation' coverage?
It pays benefits if you cannot perform the duties of your specific profession, even if you could do other work. Critical for specialists.
How long do benefits last?
You choose: 2 years, 5 years, to age 65, or to age 67. Longer benefit periods cost more but provide stronger protection.