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.
To learn more simply fill out this form or call us at 416-364-2929 or 1-866-566-2001.
"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 interested patients to Mark Halpern for insurance and related financial matters. This satisfies an essential need in us all which, as physicians, we cannot supply."
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 Mark knowing he had a lot of experience dealing with other healthcare professionals. He brought to my attention several areas of weakness and risk and helped choose the appropriate programs to protect me and my family. What struck me most was Mark's caring approach and professionalism. I have already started referring him to my colleagues."
Dr. Richard A. Seeley
Chief of Staff, St. Peter's Hospital
Hamilton, ON
"Selling residential real estate is a profession that requires me to be a great listener and a keen observer. Those qualities enabled me to become a member of the 100% club for RE/MAX and put me in the top 25% of realtors across the country. Mark Halpern is also a true professional and without a doubt is in the top club of any insurance professionals. He really listens. His sincerity and caring approach always impresses me and I would not ever even entertain the thought of using another insurance advisor for me or my family. Like me, Mark knows how to provide a client with the knowledge and wisdom they need to make an informed and unpressured decision."
Matthew Shulman
Sales Representative
RE/MAX Realtron Realty Inc., Brokerage
www.matthewshulman.com
"For several years Mark has provided professional advice of the highest quality to me and my extended family on a number of insurance, estate planning and tax planning matters."
Richard E. Austin. LLB, MBA