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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. "You just never know... I remember thinking about critical illness insurance... do I need it, how much is reasonable, what's the cost, and so on. I considered not getting it, as getting sick was such ... " Read more B.A. Business Owner, Healthcare Consultant "Mark Halpern is the financial professional I rely on for simple and complex insurance, estate, and trust matters that arise in my law practice. His expertise and passion delivers "peace of mind&q... " Read more Jeff Levy, HSBc, MBA, CFA, LLB Managing Partner, LawyersInPractice Legal Services "I responded to Mark's radio advertising on 680News, and he made it all so easy for me. He showed up on time, his cell phone never rang in our meetings and he returned my calls promptly. There was no h... " Read more Dale Asser Shorthorn Cattle Breeder Hillhaven Farm | ||
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