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Do I Need
Disability Insurance?

If you are one of the primary earners for yourself or for your family, a lot is at stake if you get injured and are unable to work. If you end up suffering from a disability as a result of an accident or health issue, this may affect your ability to earn an income.

You need disability insurance in the chance that:

  • You temporarily can’t work
  • You are permanently disabled and cannot work
  • Don’t put your livelihood at risk.

With disability insurance, you can rest assured that you will be covered in the off chance that you are unable to work. In fact, disability income insurance often covers between 60% to 85% of your income.

How does disability insurance work?

When you opt for disability insurance, you pay a monthly premium to get a certain amount of money per month plus optional benefits that might be included in your coverage if you become disabled and can no longer work.

If disaster strikes and you become disabled, you receive monthly payments until your benefit period ends or until you return to work.

How much does disability insurance cost?

The cost of your disability insurance depends on factors like:

  • Age - Your age determines the final cost of your insurance policy. The younger you are, the cheaper the policy.
  • Health Status - Insurance providers look at your past and recent health history to determine whether they can offer you disability insurance and at what price they should offer it.
  • Occupation - Insurance premiums are also established by the type of occupation you have. Individuals who work inside an office pay lower premiums than those working in the field.

How much of my income is covered by disability insurance?

How much of your income is covered depends on your unique policy and the conditions set by your provider. As is standard, your insurance should cover approximately 60% to 85% of your loss in income. Compare disability insurance quotes online to explore your options.

What’s not covered by disability insurance?

Certain conditions – such as pre-existing conditions – may not be covered under disability insurance. Every plan varies, so be sure to go over the coverage included in your plan with your insurance representative. Some conditions that may not be covered include cancer or a history of heart attack. Other circumstances that may not be covered include going to war, self-inflicted injury, or committing a crime.

How Do I Find The Best Disability Insurance For Me?

If you end up with a disability, your top priority should be your health – not worrying about debt collectors. We help people get access to affordable disability insurance quotes so they can choose the best plan for them.

Are you protected? Compare disability insurance quotes online in minutes to get the coverage you need.
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Compare Quotes and Find the RightDisability Insurance for You

Private insurance can be expensive, but it doesn’t have to be. By comparing disability life insurance quotes online you can find the plan for you, at the best rates.

See plans and get quotes from the best insurance providers in Canada.

  • Fewer Out-of-Pocket Expenses
  • Cover Up to 85% of Your Income
  • Protect You & Your Family Financially
  • Low Monthly Rates
  • Better Coverage When You Need It

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How to Save Money
On Your Disability Insurance

Looking for affordable disability insurance? Here are some tips that should help you get low monthly premiums.
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Quit Smoking

Insurance providers check your health history before setting the price of your disability insurance. A tobacco-free lifestyle may save you some money on your premiums.

Compare Rates

Compare rates from multiple insurance providers before deciding which policy is the best for your needs and budget.

Bundle Your Coverage

Your insurance provider might offer a better deal if you sign up for insurance bundles. Try to bundle your disability insurance with your health or life insurance to get lower premiums on both.

Ask For Discounts

Your insurance provider might offer periodic discounts you might not be aware of. Ask your provider about available discounts before signing an insurance policy.

Types of Long Term & Short Term Disability Insurance

Sometimes an illness or injury will put you out of work for a short period of time, but a serious injury could put you out of work for months or longer. That’s why you should discuss both short and long term options with your provider.

Here are the different types of insurance policies you can benefit from in Canada.

Total Disability Insurance

When most people think of disability insurance, typically what comes to mind is total disability insurance. This is insurance that pays you benefits until you recover from your illness or injury (or until your plan expires).

If you lose your ability to earn income, total disability insurance will help you maintain your same standard of living.
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Presumptive Disability Insurance

If you are injured or ill, the insurance company may presume that you will be unable to work – potentially, for good. This is typically the case if you lose sight in both eyes, hearing in both ears, or the use of both hands or feet.

Presumptive disability insurance covers you before you experience the financial hardship of being without work.
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Partial Disability Insurance

Sometimes an injury or illness won’t be so severe that you are out of work completely, but that you have to cut your hours down. If you experience partial income loss, then you will want to have a partial disability plan in place. You’ll simply have to prove that a doctor is still treating you during that time period.
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Disability Insurance Coverage for Pregnancy

If you suspect that you may become pregnant in the near or distant future, it’s worth it to get an insurance policy that covers possible complications resulting from pregnancy or childbirth.

If you are put out of work due to an unexpected complication, disability insurance may cover that loss of income.
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Disability Insurance Coverage for Mental Illness

In the off chance that you are negatively impacted by an illness or injury and end up with a mental illness, you’ll need coverage to help you secure your income. Disability insurance for mental illness is available to make sure you have the money you need.

This type of insurance often covers mental illness caused by brain injury, bipolar disorder, depression, anxiety, and more.

No one is ever ready for a medical emergency. But with insurance,have a plan in place that ensures that you and your family are taken care of.
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Choose The Right Disability Coverage for You & Your Family

Are you worried about how you and your family would cope if you were unable to work due to disability? We can help.

Insurdinary compares relevant quotes sent straight to you all based on the unique disability coverage you need. Get coverage to protect your income, your family's financial stability, and peace of mind. You can rest assured knowing you have the best, most affordable coverage, no matter what.
Total Disability
Presumptive Disability
Partial Disability
Pregnancy Coverage
Mental Health Disability
And More…
Compare disability insurance policies online and get the coverage you and your loved ones need.
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Disability Insurance
Frequently Asked Questions (FAQ)

Looking for disability insurance coverage in Canada? Learn more about how to get the best disability insurance online by checking out the Frequently Asked Questions section below.

How do I get a quote?

Insurdinary has partnered with the top Canadian disability insurance providers to connect you with disability insurance quotes, fast. Fill out a quick application to get custom quotes sent straight to your inbox.

How can disability insurance help my recovery?

Disability insurance can help you in your recovery from an illness or injury in the fact that you can focus on getting better, rather than worrying about your loss of income. If you aren’t well enough to go back to work, disability insurance will help make up for that significant loss of money for you and your family.

Should You Opt For Disability Insurance?

Most Canadians agree that life insurance is necessary, but they might not understand why they should opt for disability insurance. The harsh reality is that when you are disabled because of an injury, your bills don’t stop while your income does.

Getting disability insurance guarantees that you and your family won’t face financial hardships if you can’t work because of a disability.

Who Provides Disability Insurance?

You may receive disability benefits from multiple sources, but these benefits are usually coordinated to ensure you do not receive benefits that are greater than your regular income.

You can get disability insurance from different sources, such as:

  • Government plans - You may be eligible for benefits offered by the Canada Pension Plan or the Quebec Pension Plan.
  • Special purpose plans - You may be eligible for benefits offered by a variety of plans, such as creditor’s insurance (mortgage or credit card protection).
  • Group insurance plans - You may be eligible for benefits offered through an employer, union or association insurance plan.
  • Individual insurance plans - You may sign up for an individual insurance plan and be eligible for benefits as long as you pay your monthly premium.

What’s covered by disability insurance?

Your Canadian disability insurance plan will cover a portion of your income lost in the chance that you are unable to work. The amount of coverage you get depends on your plan, provider, and monthly premium.

Does Canada’s Public Health Care Plan Cover Disability?

Canada’s public healthcare plan only covers loss of income due to disability under certain conditions.

For instance, you may be eligible for “Employment Insurance” under the plan, but that only covers 15 weeks of work lost due to illness or injury. There are additional programs available for veterans and children, but restrictions apply.

You need a disability insurance plan that covers you no matter what, for the length of time that you need. You can’t afford to put yourself or your family at risk of dwindling income or savings.

Insurdinary compiled these provincial plans to guide each Canadian like you about your respective provincial health care plan and the services / benefits that are covered and not covered by the plan.

How do I qualify for disability insurance?

To apply for disability insurance, sign up to get quotes sent straight to your inbox. Then, choose the plan that sounds best to you and follow the application process set by your chosen provider. Qualifications may vary.

How much does disability insurance cost?

The cost of disability insurance varies based on your plan. If you need full coverage, your monthly premium may be higher than partial coverage. Discuss your options with your insurance provider to find the plan and rate that works best for you.

How soon will I get my disability insurance quotes?

When you request online health insurance quotes from Insurdinary, you will receive quotes from top providers in as little as a few minutes.

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