When income stops, expenses don't
Most Canadians are one medical event away from a financial crisis. Employment Insurance sick benefits cover only a fraction of your income and run out in months. Long-term disability through an employer (if you have it) often replaces 60–70% of your salary and comes with conditions and waiting periods you may not have read closely. A personal disability policy closes that gap on your terms.
Whether you work with your hands or at a desk, the risk is real. Musculoskeletal injuries, mental health conditions, and serious illness account for the majority of long-term disability claims in Canada. A policy structured around your income and occupation means you're covered for the situations most likely to affect you.
How disability insurance works
Your monthly benefit is calculated based on your present income. It replaces a meaningful portion of what you earn today.
Benefits are paid once you've qualified under your policy's conditions, typically after a waiting period (elimination period) of 30 to 120 days.
Coverage applies if you are unable to work due to a medical condition, injury, or accident. It's income replacement, not a savings product.
You maintain the same lifestyle despite the injury or illness: the policy covers your regular obligations while you focus on recovery.
Plans can be structured as Income Replacement Plans or Crisis Recovery Plans depending on your needs and occupation.
A living benefit, paid while you're here
Unlike life insurance, disability insurance pays benefits during your lifetime. It pays you while you're still here, protecting your income, your home, and the standard of living you've built for your family.
Types of coverage
Short-term disability
Covers a portion of your income during a temporary period of disability, typically from a few weeks up to six months. Often the first layer of protection when a waiting period applies.
Long-term disability
Replaces income for extended periods (months or years, and in some cases until age 65) when a serious illness or injury prevents you from working.
Own-occupation coverage
Pays benefits if you cannot perform the specific duties of your own occupation, even if you could work in a different role. Critical for tradespeople and specialized professionals.
Any-occupation coverage
Benefits are paid only if you cannot work in any occupation for which you are reasonably suited by education, training, or experience. Typically carries a lower premium.
Policy terms, definitions of disability, and elimination periods vary by insurer and occupation. Jatinder will walk you through the options that make sense for your situation.
Service area
Jatinder Singh and his team serve clients across Ontario and Alberta. Policies can be arranged by phone or in person at our Brampton office at 195 Queen St E, Brampton, ON L6W 2B3.