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

"My busy practice and family life leaves precious little time to deal with our insurance matters; and it's not my area of expertise. Mark Halpern created a program that's protecting me and my family. He really cares. You will be working with the best."
Dr. Edward (Ted) English M.D. B.A. F.R.C.S.C.
Chief of Orthopedic Surgery
Medical Director of Orthopedic and Rehabilitation Medicine
The Scarborough Hospital

"If I get sick and can't work, who will support my family? I spoke to Mark about this issue and he recommended critical illness insurance. It's a great investment that brings me peace of mind, knowing that my family and I will be taken care of. It's nice to know that someone's looking after me. Thank you Mark! "
Daniel Rostenne
Director
IronPoint Technologies

"Arranging my insurance needs with Mark Halpern was like dealing with a trusted friend instead of an insurance agent. Mark patiently sat with me on numerous occasions to explain the various options available and the benefits and drawbacks of the numerous insurance products for purchase. I felt as if I obtained an education as to the importance of not just buying insurance, but purchasing the proper type of insurance for my particular situation. Mark is not simply knowledgeable about what is available in the marketplace, but is genuinely concerned that each of his clients obtains adequate coverage in case of a crisis. No one wants to think about such a tragedy occurring to them, but I feel much more confident and comfortable discussing this possibility, knowing that in case of a medical emergency or my premature death, my family's financial needs will be taken care of in my absence. I would not have this sense of security without meeting with Mark. After my experience as his client, I now consider having the proper amount of insurance in place as a necessary and important component of estate planning."
Mark Greenstein
Lawyer
Krol & Krol

"After hearing those radio ads countless times, I FINALLY pulled my car over to write down the phone number and call Mark. His radio message was very clear to me. As a business owner, I did not want to put unnecessary financial strain on my family if I got sick or worse. We had a great first meeting that was very informative for me and my wife. It was a very comfortable experience and Mark enlightened us with all the things that needed doing to properly take care of our family. He helped us put all the right programs together without any pressure and we are very appreciative. We now feel reassured knowing that things have been taken care of properly and look forward to working with Mark for many years to come."
Tony Silvestri
Transportation Executive
Lisa Silvestri
Bank Branch Manager