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

"Between my business and my family - I have never been busier. My time is devoted to helping my clients succeed and growing our company. Mark Halpern helped me to organize my personal financial affairs. The unique thing about dealing with Mark is that he genuinely cares about me and my family. I recommend him highly to anyone in need of a consummate professional."
David Toyne
President, Thomson Financial Canada

"Mark has been helping me with Life Insurance and Critical Illness for over 10 years. Like most people, I find it difficult to deal with these issues and take care of them properly to make sure that my family is safe and secure in the future. My previous experience with life insurance salesmen left me feeling pretty cynical and fearful. Enter Mark Halpern - He has an amazing array of innovative products, he explains things so that you really get it, and absolutely no pressure - I kid you not. On one occasion, he even advised against purchasing a product! Look, the last thing I want to sound like is an infomercial, but for Mark, I will make an exception. Life insurance is critical and you want to deal someone who has knowledge, integrity, and compassion. Mark Halpern is the man."
Dr. L Steiner
Psy.D., Clin. Psych

"In my dealings with Mark Halpern over the last 12 years, I have found him to be exceptionally ethical, reliable and client-centered. He has expert knowledge and experience in the insurance industry and his passion for this field clearly shows. I have no hesitation in recommending him to anyone who needs a caring and professional advisor. "
Daniel Sacke B.COMM CFP CSA
Vice President
BMO Nesbitt Burns Inc.
www.thesackegroup.com

"I've had my share of challenges dealing with insurance companies and different insurance advisors. You came highly recommended and were highly responsive to help us when others were not. Your advice was sincere and recognized our personal circumstances. Your professional advice, knowledge and connections to the key decision makers in the insurance industry, were invaluable in our efforts to get the type of insurance we wanted. We look forward to a long-lasting business relationship."
Lawrence Tepperman

VP Client Solutions
Exchange Solutions Inc.