Long Term Disability Insurance

Long Term Disability Insurance For Groups

Disability insurance provides financial protection when an accident or illness causes you to be disabled and unable to work or earn an income.

Disability insurance replaces up to 2/3 of your income if you are unable to work as a result of injury or illness. Benefits are paid monthly and are tax-free, if set up properly. Policies differ on how soon you would collect benefits and for how long. Policies also vary in definitions of disability, whether disability benefits are received if you can't perform the duties of your own occupation, a job in your field, or any job at all.

Unlike Critical Illness Insurance and Life Insurance (where the benefit is usually payable in a lump-sum and such payment ends the contract), Disability Insurance benefits are always payable on a monthly basis while disability continues until age 65. 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.

Why Do I Need Disability Insurance?

Most people are unaware of the startling disability statistics.

The likelihood that a person will become disabled before the age of 65 is five-times greater than the risk of death.

Get Paid to Stay Healthy!

Now there's a disability policy that pays you to stay healthy. You can get back up to 70% of your premiums if you never make a claim and you keep your policy in force for at least 10 years.

Our group plan experts currently help more than 1,500 companies across Canada, managing combined premiums in excess of $250 million.

The sheer volume of our group business will save money for your company immediately without changing your current benefits provider. We can help your company too - please contact us today for your no-obligation consultation.

Our benefits specialists now manage over 1500 groups across Canada with combined
annual premium of more than $250 Million

Learn More

To learn more simply fill out this form or call us at 416-364-2929 or 1-866-566-2001.

What Our Clients say

"My busy practice and family life leaves precious little time to deal with our insurance matters; and it's not my area of expertise. Mark Halpern created a program that's protecting me and my family. He really cares. You will be working with the best."
Dr. Edward (Ted) English M.D. B.A. F.R.C.S.C.
Chief of Orthopedic Surgery
Medical Director of Orthopedic and Rehabilitation Medicine
The Scarborough Hospital

"At Crown Medical Clinic, we strive for the highest standard of healthcare, in a clinic devoted to wellness and prevention. I recognize the importance of financial wellness as well, so I refer interested patients to Mark Halpern for insurance and related financial matters. This satisfies an essential need in us all which, as physicians, we cannot supply."
Dr. W. Ronald Porter, M.B., Ch.B.
Medical Director
Crown Medical Clinic

"My company develops technologies that facilitate intelligent, interactive, state-of-the-art communications solutions. Mark Halpern delivers intelligent, state-of-the-art insurance solutions for me and family. I recommend him highly."
Mark Cohen
President
TouchLogic Corporation

"Selling residential real estate is a profession that requires me to be a great listener and a keen observer. Those qualities enabled me to become a member of the 100% club for RE/MAX and put me in the top 25% of realtors across the country. Mark Halpern is also a true professional and without a doubt is in the top club of any insurance professionals. He really listens. His sincerity and caring approach always impresses me and I would not ever even entertain the thought of using another insurance advisor for me or my family. Like me, Mark knows how to provide a client with the knowledge and wisdom they need to make an informed and unpressured decision."
Matthew Shulman
Sales Representative
RE/MAX Realtron Realty Inc., Brokerage
www.matthewshulman.com