Disability Insurance

What is Disability Insurance?

DEFINITION [an insurance product that protects your greatest asset – your earning power.

Disability insurance is designed to help cover loss of income by providing a monthly benefit if you’re unable to work due to accident/illness.

A disability can result from an injury, a serious illness, or a mental health issue, and it can be either short-term [generally under 120 days] or long-term [generally over 120 days to retirement at age 65].

Many different kinds of disability insurance are available, as well as government programs such as employment insurance, workers’ compensation and Canada Pension Plan benefits. Your specific needs and life style are important considerations when choosing the insurance that’s right for you.

Disability insurance can be confusing; you need to understand how “disability” is defined, what conditions are covered, what the monthly benefit is, and how long you can expect to receive it. Speak to an advisor at Kardia to understand how this valuable coverage works.

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