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 became aware of critical illness insurance this year and over the last number of months have investigated it for me and my family. I met with several agents. I had heard Mark's advertising on 680News and The Fan 590 and arranged a meeting in my office. I was very impressed with Mark and his knowledge of the policies that are available in the marketplace. Mark took the time to 'crash test' my life and provide me with some important recommendations that I was unaware of. He got my business. I have since referred Mark to the partners in my firm and recommend him highly to all busy professionals. "
Brett J. Tkatch
Partner
Blaney McMurtry LLP

"You're Great! I hadn't even heard of Critical Illness insurance before meeting you. Thanks for making it happen. It's nice to know you are always there when we need you. Thanks again on behalf of our entire family."
Arna Feldman
Dental Hygienist

"My legal practice is restricted to insurance matters, and Mark Halpern is my personal insurance expert. When someone asks me where to go to get CI or life insurance, I only provide them with one name: Mark Halpern."
Jill E. McCutcheon
Partner
Borden Ladner Gervais LLP