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Long Term Disability Insurance 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 You Need It 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. Death is inevitable, but disability is more probable at any given age. 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. Please contact us today for your no-obligation consultation. We look forward to helping you and your family. "When it comes to insurance, for you or your business, Mark Halpern is the first and last person to call. He's looked after insurance matters for me and my family members in a professional and caring w... " Read more Mark Zimmerman President Promovision Marketing "At Crown Medical Clinic, we strive for the highest standard of healthcare, in a clinic devoted to wellness and prevention. I recognize the importance of financial wellness as well, so I refer interest... " Read more Dr. W. Ronald Porter, M.B., Ch.B. Medical Director Crown Medical Clinic "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 | ||
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