Disability Income Plans

What is your most valuable asset?

Illness or accident can happen to anyone. If it happened to you and you became disabled, you could lose your greatest asset: the ability to work and earn an income.

Short Term Disability

Group short-term disability plans can be purchased by employers on behalf of employees or made available to employees to purchase on a voluntary basis. A range of benefit percentages, waiting periods and duration options are available.

Long Term Disability

Group long-term disability plans can be purchased by employers on behalf of employees or made available to employees to purchase on a voluntary basis. Definition of disability, eligible classes, and tax treatment can be customized. This coverage is designed to integrate with the short-term disability cover, if purchased.

Individual/Supplemental Income Protection Plans

Employer sponsored voluntary programs that enable employees to supplement and strengthen their disability benefits. Cover can include tax-free benefits and portability.