Disability Insurance – kinsureservices.com

// Your Income Is Your Biggest Asset

Protect your paycheck the way you protect your home.

27% of Canadians aged 15+ live with a disability. EI sickness benefits max out around $695/week for just 26 weeks. Personal disability insurance fills the much larger gap — replacing 60–85% of your income with a tax-free monthly benefit.

Tax-Free Income

Personally-owned policy pays benefits tax-free, replacing 60–85% of pre-disability income.

Own-Occupation Coverage

Pays if you can't do YOUR specific job — even if you could work in another field. Strongest protection.

Benefit to Age 65

Long-term coverage pays until age 65 if your disability is permanent — not just 2 years.

Non-Cancellable Policy

Premiums locked at signup — insurer cannot cancel or raise rates as long as you pay.

Lock in your income shield.

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// Coverage Benefits

Why personal disability beats group plans.

Employer group plans cap at 50–60% taxable income, use "any-occupation" definitions, and end when you leave the job. Personal coverage is stronger and follows you.

Tax-Free Benefits

When you pay premiums personally, benefits are received tax-free.

Portable Coverage

Policy stays with you across jobs, layoffs, and career changes.

Partial Disability

Pays a proportional benefit if you can work part-time during recovery.

COLA Rider

Cost-of-living adjustments keep benefits up with inflation during long claims.

Short or Long Term

STD covers 3–6 months. LTD covers years up to age 65. Use both for full protection.

Mental Health

Most policies cover mental health and substance-related disabilities.

Future Income Option

Add coverage as your income grows — no new medical needed.

Self-Employed Friendly

Coverage based on your actual income, including business overhead expense add-ons.

Canadian families protected by disability insurance

Stats Canada Disability Data

// Real Canadian risk

27% of Canadians 15+ live with a disability — 3× more likely than dying before age 65.

Source · Statistics Canada 2022 · Canada Life industry data

Common Questions.

The most-asked questions about disability insurance in Canada.

Why not just rely on EI or CPP disability?

EI sickness benefits max out around $695/week for 26 weeks. CPP disability requires you to be unable to do "any substantial gainful work" — a very strict bar. Combined, they're a temporary safety net, not real income replacement. Personal disability insurance fills the much larger gap.

What's "own-occupation" vs "any-occupation"?

Own-occupation pays if you can't do YOUR specific job — even if you could work elsewhere (a surgeon who can't operate, for example). Any-occupation only pays if you can't do any job at all. Own-occupation is much stronger and worth the extra premium — especially for skilled professionals.

How long is the waiting period?

Usually 30, 60, 90, or 180 days. Shorter waits = higher premium. Most clients pick 90 days and bridge the gap with emergency savings or short-term disability coverage.

Doesn't my employer's group coverage do this?

Group plans typically cap at 50–60% of income (taxable), use "any-occupation" after 24 months, and end when you leave the job. After tax, you often end up with less than half your pre-disability income. Personal coverage on top fills the gap and follows you across jobs.

Don't let one injury derail everything.

Free consultation to design own-occupation coverage that matches your real income and stays with you.

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