(780) 705-5214

Alberta Office

(604) 416-0250

British Columbia Office

Disability insurance replaces a portion of your income if you become unable, through injury or illness, to work. ​

Disability benefits are not normally taxable, and the disability benefit is calculated as a percentage of pre-tax income

Disability insurance benefits are almost always payable on a monthly basis, while the disability continues

Upon recovery from a disability, the policy continues. Benefits could potentially be payable again for subsequent disabilities or for the recurrence of a prior disability.

​If the disability insurance policy is paying a disability benefit to the insured and they die, a nominal life insurance benefit is usually payable in a lump sum and will end the contract.