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Why take out disability insurance?

For the following three reasons

Financial protection

In the event of disability due to an illness or accident, disability insurance provides a source of income to cover living and medical expenses.

Peace of mind

With disability insurance, you can have peace of mind knowing that you’re financially protected in the event you’re unable to work.

Supplement to health insurance

Health insurance generally doesn’t cover lost income in the event of disability, making disability insurance essential to protect your finances.

How much does Income insurance – Accident cost?

Olivier

35 years old

Amount of monthly income to be replaced
$2,500

Construction contractor

$53.58/month

Photo Isabelle

Isabelle

40 years old

Amount of monthly income to be replaced
$2,000

Self-employed
graphic designer

$24.62/month

Photo

Alexandre

45 years old

Amount of monthly income to be replaced
$3,000

Tree pruner

$75.24/month

Want to know how much Income insurance – Accident coverage costs?

Two types of disability insurance

Choose the coverage that best suits your needs

Short term

Long term

Who is disability insurance for?

Self-employed workers

For a self-employed worker, disability insurance is essential to protect their income if they’re unable to work due to an illness or accident, ensure their financial security and guarantee the continuity of their professional activities.

Contractors

For a contractor, disability insurance is critical to protecting income, ensuring business continuity and providing financial security if they’re unable to work due to an illness or accident.

Employees

For an employee, disability insurance provides additional financial protection if they’re unable to work due to an illness or accident, guarantees personalized coverage and ensures financial security independent of that offered by the employer.

Learn more about disability insurance

Questions about disability insurance?

See the FAQ section on our website to find the answers to your questions.

You may also be interested in these other insurance products

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OCCUPATIONAL CLASS

PROFESSIONAL OR MANAGEMENT

  • Professionals and business executives (white collar workers) who perform only office work or have only administrative or clerical functions;
  • Certain business executives / white collar workers with limited sales duties who perform neither deliveries nor demonstrations.

OFFICE EMPLOYEE

  • Most white collar workers – office employees, managers, supervisors and inspectors who do not participate in supervised work;
  • Representatives who do not perform deliveries;
    No manual labour.

SALES CLERK

  • Professional workers who perform the functions or work of a skilled worker;
  • Clerks and other workers with duties limited to sales, supervision and supply of services;
  • Qualified professional workers who do not meet the criteria for class 3A.

LABOURER OR MANUAL WORKER

  • Labourers and manual workers with more physically demanding duties and favourable working conditions;
  • The work must not involve any hazards such as chemicals, explosives, machinery or heavy equipment.

MANUAL WORKER WITH GREATER PHYSICAL EXERTION REQUIREMENTS OR RISK OF ACCIDENT

  • Labourers and manual workers who must exert significant physical effort;
    Working conditions that may result in increased risk of sickness or accident
    • Extreme heat, frequent changes in temperature;
  • Use of heavy machinery or heavy equipment;
  • The work must not involve any hazards such as chemicals, explosives, machinery and heavy equipment.