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

"I heard Mark interviewed on Money Talks radio with Jerry White and was intrigued by the critical illness insurance he specializes in. We set up an appointment in his office and I approached our meeting as a skeptical accountant who doesn't like to be sold insurance. Mark surprised me. He was very thorough and covered all the bases. He looked at my total picture and didn't isolate any parts. He put together a plan for me based on our discussions that would take care of me in my life and he followed up again on each item at subsequent meetings. I purchased a critical illness insurance policy and health benefits and will consider long term care insurance and life insurance with Mark in the New Year. Mark has many strengths. The one that impressed me the most was his ability to recognize my lifestyle as a single woman with no dependants. He designed the right plan to fit. I highly recommend Mark to anyone who requires a truly caring, sincere and professional advisor."
Ms Susan Jackson
Chartered Accountant

"After hearing those radio ads countless times, I FINALLY pulled my car over to write down the phone number and call Mark. His radio message was very clear to me. As a business owner, I did not want to put unnecessary financial strain on my family if I got sick or worse. We had a great first meeting that was very informative for me and my wife. It was a very comfortable experience and Mark enlightened us with all the things that needed doing to properly take care of our family. He helped us put all the right programs together without any pressure and we are very appreciative. We now feel reassured knowing that things have been taken care of properly and look forward to working with Mark for many years to come."
Tony Silvestri
Transportation Executive
Lisa Silvestri
Bank Branch Manager

"I am always delighted when I can recommend Mark to clients and friends. His integrity and deeply held values for serving means he goes beyond meeting client expectations. Mark takes the time to discover what his clients really need to be protected and meet the future feeling resourceful and confident."
Wauneen McMonagle

Innergize Training Coaching Consulting