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Living Benefits

Income Protection Coverage -
Disability Insurance

Disability insurance provides you with an essential income if an injury or illness prevents you from earning an income.  Some jobs offer employee benefits for disabilities, but in most cases, the compensation is not adequate. 

 

Consider this:

  • Worker’s Compensation only covers injuries that occur at work.

  • Your unemployment benefits will only last 15 weeks.

  • Government benefits are limited in what they can provide for you.

  • Other living costs and medical costs may not be covered by a work policy

 

 
WHO NEEDS INCOME PROTECTION COVERAGE?
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  • Self-employed

  • Contract workers

  • Employees without group coverage

  • Mortgage repayment

  • Debt repayment

  • Income replacement

  • Living expenses

Long Term Care Coverage

Provides an affordable solution that will cover the cost of living and health care as well as protect your assets. Long-term care can be provided in your own home, in a retirement home, assisted-living setting, or long-term care facility. It pays a monthly tax free benefit once you are unable to perform two of the following:    

  • Eating

  • Bathing

  • Dressing

  • Toileting (able to get on and off the toilet and perform personal hygiene functions)

  • Transferring (able to get in and out of bed or a chair without assistance)

  • Maintaining continence (able to control bladder and bowel functions)

  • or, cognitive impairment (Alzheimer/dementia or brain injury)

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WHY YOU NEED LONG TERM CARE INSURANCE
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  • You're planning for your retirement and want to protect your assets &/or your estate

  • You want the freedom to choose the type and level of care you want

  • You want to insure your spouse or parent, and thereby, relieve the financial strain from yourself

Critical Illness Coverage

Recovering from illness can be tough on you and your family, both emotionally and financially.  Critical Illness insurance is a form of health insurance that provides financial security, letting you focus on recovery.

 

It pays a tax-free lump sum in the event of surviving:

  • Heart attack

  • Stroke

  • Cancer

  • or, up to 31 other illnesses

 

WHY YOU NEED CRITICAL ILLNESS COVERAGE

 

  • Fund a leave of absence for yourself or your spouse to be by your bedside

  • Modify your home or vehicle

  • Access cutting-edge medical services: In Canada or in another country, in addition to travel and lodging expenses

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