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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. "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... " Read more David Toyne President, Thomson Financial Canada "On the frontline of healthcare, I witness what happens everyday to families struck by serious illness or death. It had been a long time since my own planning was comprehensively reviewed so I called M... " Read more Dr. Richard A. Seeley Chief of Staff, St. Peter's Hospital Hamilton, ON "My business involves large real estate investment transactions and requires making complex issues easy to understand for all parties involved. Mark Halpern explained to me the complex world of life in... " Read more John Weiler President White Cap Consulting Inc. | ||
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