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What is disability life insurance?

Disability insurance is designed to replace a portion of your income if you become disabled and are unable to earn an income. A disability can result from a number of causes, including an injury, a serios illness or a mental health issue. And the duration of a disability can be either short or long term.

Disability Life Insurance in Canada

Disability insurance at the best of times is a difficult product for the agent to explain and you, the client, to understand. And that is why we send you a COMPLETE DESCRIPTION of what you are going to get BEFORE you even make the application. You can sit at home or in the office and read the details, without an agent pushing you to sign.

Who buys disability insurance?

Disability insurance is purchased by individuals who have no coverage for their income or who are entitled to more coverage than their employer provides. If you pay the premium, the monthly payments come to you tax free. Insuring your income is definitely a smart idea in any event, but getting tax free income as well makes it something you should do.

What do I need to know about disability insurance?

The best way to know what you can get at what price, is to ask for a quote. You will be emailed the information you need which you can print out and discuss with your spouse or employer if necessary. Not everyone will qualify for this coverage, but if you think its smart to protect next months paycheque and your lifestyle, now is the time to find out the figures.

The Hughes Trustco Group is independent of any disability insurance company. Without fear or favour we endeavour to get you the best price for the coverage you want for any product.

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FAQ - Disability Life Insurance

Why do you need disability insurance?

Disability insurance comes in 2 types. The first is short term disability insurance. Short term disability insurance covers you for the initial period of an injury or illness. You usually receive a portion of your salary while you are disabled. This type of disability insurance is usually provided by employers.

Do you need to make a disability claim?

Most employees are fortunate to have never made a claim, but if you've ever been in an accident that prevents you from working, then you truly appreciate having the benefits of short-term disability insurance. Short term disability insurance is a temporary relief though, as most policies only last anywhere from two weeks to two years. Should your condition prevent you from working for more than the time allowed for under short term disability coverage, then you will need to rely on the other kind of disability insurance: long term disability insurance.

Are you covered for long term disability?

Long term disability insurance covers the individual for an extended period of time. Should you be injured or take ill as a result of your employment, then long term disability insurance will cover you for a period ranging up to five years or until the disabled individual turns sixty five.

Different disability coverages

There are numerous ailments that can disable an individual as a result of certain occupations. Movers, and construction workers and even administrative assistants can all become disabled through routine activities performed on the job and off the job. That is why it is necessary to cover yourself with long term disability insurance.

Is a private disability policy necessary?

Long term disability insurance may be provided by your employer in a group plan but it may be financially necessary to also purchase an individual long term disability insurance policy. It is recommended that you research and compare the different individual long term disability policies to find the one that is best for you.

Disability insurance is owned by less than 20% of the working population, perhaps because they reason ... it can't happen to me. The cost of the protection is small. As the ad says "Don't leave home without it"; you can get a FREE quote now!

Does everybody need disability insurance?

Disability insurance is usually the last thing people think about. They think of car insurance or house insurance or life insurance. However, although we spend a considerable amount of time in our cars and in our homes, the majority of our time is spent at work. But we don't put much thought into what will happen should we be injured or contract an illness that will prevent us from performing our duties. How will we pay our seemingly never-ending bills? How will we maintain our standard of living? The answer lies in a disability insurance policy.

Will disability insurance bring peace of mind?

Life is inherently uncertain. You can never be sure of what will happen from one day to the next. You cannot rely on the fact that your job does not require much physical labour because accidents and illnesses happen to everyone. Disability insurance policies afford you peace of mind. Disability insurance policies can be the difference between paying your bills and defaulting on them.

Take a chance?

You are much more likely to be disabled than die and therefore you need to have maximum coverage available whether group and/or individual coverage. Everyone has life insurance, but not enough have insurance disability policies to protect them and their families. It is sad but true that you never really appreciate insurance disability until you need it.

Do you have a disability policy?

The number of families without any form of insurance disability policy is staggering in this country. Most insurance disability policies are quite moderately priced and are in the price range of most employed individuals. There are a variety of different policies that have different waiting and benefit periods which affect your monthly premiums.

Why don't you Apply Now!

Disability insurance applied for 1 day too late, can mean a completely different life for your family. If you are contributing $2000 a month towards the family's monthly costs, you'll need to carry coverage for this amount. If you don't think you need it, ask yourself where that missing $2000 will come from. Your spouse? Your children? Or the sale of your home? Your budget needs to include provison for disability insurance.

Is disability insurance for the long term?

Disability insurance covers you for an extended period of time. Should you be injured or take ill and as a result be unable to perform the duties of your employment, you will be covered under short term disability, then long term disability insurance will cover you. The coverage can be for a period ranging up to five years or until the disabled individual turns sixty five.

Long term disability insurance is often provided by your employer as part of your benefits package. If you purchase it on your own, the benefits are tax free.

Is this permanent coverage?

Disability insurance on an individual basis makes great sense as if involved in an accident you are more likely to be disabled than die. Therefore it can be argued that it makes more sense to buy long term disability insurance than life insurance.

Can I shop for what I want?

Disability insurance policies differ from one provider to the next. It is important that you do your research and find the disability insurance policy that best meets your needs with the insurance company that you trust the most. Insurance companies, through an independent insurance broker, will gladly offer you disability insurance quotes free of charge. You can get quotes online now which is the easiest way as you are not being pushed by an agent.

Can I get the best company?

It is important to purchase your insurance from a company that you trust, because you need the company to be there if you need them. When you get your quotes, be sure to ask questions about the company and the specifics of the policy. Disability insurance needs to be tailored to meet your needs and complement any existing insurance policies that you may already have. Again, be certain that you are buying the plan that meets your needs completely.

Probably the most important thing for you to do, is to read all the provisions of the policy before you buy it.

Is short term disability worth the cost?

Short term disability insurance is disability insurance that covers you only for the initial part of an injury or illness. So it is also important that you have some type of long term disability insurance in case you were to be unable to work in the longer term. Short term disability insurance is normally provided by an employer and pays a percentage of your salary should you be unable to work. Most employees are fortunate to have never had a claim, but appreciate having the benefits of short-term disability insurance as a cushion.


The reason for short term disability insurance is to tide you over in the short term until you are able to return to your job after a brief absence. If you feel that you do not have enough of a cushion to rely on, then it is highly recommended that you look into purchasing an individual long term disability insurance policy.

What is the value of short term disability?

Short term disability insurance means that you can rest assured that you will receive funds within one to fourteen days after your injury or illness, depending on the terms of your policy. The speed with which you receive these monies can be a godsend to those in need. A typical short term disability insurance policy provides you with a portion of your salary, usually 50 or 60 percent for up to half a year. Most short term disability insurance policies have a cap, which means that you can only receive a maximum benefit amount per month.

Does it cover any occupation?

Short term disability; is the cost worth it? The answer to that question depends on you. You cannot rely on the fact that your job does not require much physical exertion, for there are a lot of illnesses such as carpal tunnel syndrome and others like it that are the bane of the white collar world. But if your job does require manual labour, even labour as simple as lifting a box, then you should seriously consider making sure you are covered by short term disability insurance. Everyone needs the added security of a percentage of normal income to support the family and standard of living. Short term disability insurance on the whole is much like fire insurance. While you may never make a claim, it is a blessing when you do need it. Short term disability insurance is best backed up by long term disability insurance.

Do I need disability insurance for my partners?

Disability insurance is designed to protect business owners and working professionals when they become disabled and unable to perform their necessary duties at work. These events can be tragic, and without proper business disability insurance coverage, you and possibly the partnership, cannot continue to function. Disability insurance will provide income continuation for you and your business partners. Not enough people purchase disability insurance, especially considering these alarming statistics: ·

How do I protect myself?

On average, about 220 disabling injuries occur every hour during the year. · A disabling injury occurs every eight seconds at work. · Disabilities affect one-fifth of Canadians and Americans. Given this prevalence of disabling injuries and illnesses in the workplace today, it is a wonder that very few business owners and partners don't purchase business disability insurance to cover them in the event of their own or a partners disability.

Is it necessary to include it in agreements?

Disability insurance is now included in partnership agreements, along with life insurance. With life insurance, the way forward is pretty clear if the partner dies in the incident. Disability insurance however, is very necessary if he or she does not die. How will the disabled partner cope with his or her own expenses is just one question. If there has been no provision personally made by this partner, is the firm morally or personally obliged to provide support? Again as the partner is no longer contributing to the profit, is he or she entitled to the agreed annual share?

Disability insurance is owned by less than 15% of all workers. And how many partnerships are there without any kind of disability coverage? It will only take one partners' disability to perhaps bring down a whole business. The cost of providing a living income to a partner who will perhaps never return to the firm, can ruin that firm unless a provision for disability insurance has been made. A review of your partnership agreement is well warranted.

Do you need disability insurance it with a group plan?

Disability insurance is often ignored by most people since their employer usually offers some form of short and long term coverage.

Do you need private disability insurance?

Disability insurance is something people do not believe they need to purchase. Disability insurance however, on an individual basis, is valuable even if you have enough savings to cover you until you recover. The vast majority of us do not have enough saved up to cover our bills and provide our families with the standard of living they have become accustomed to.

What is the coverage?

Disability insurance policies mostly cover anywhere from 50 to 60 percent of your income, depending on your standard of living and lifestyle. There are two types of disability insurance. The first is short term disability insurance which covers you for the initial time of an injury or illness. The other type of disability insurance is long term disability insurance. Unfortunately most policies offered by employers offer a smaller percentage of your income as compensation; therefore it is in your best interest to consider a long term individual disability insurance policy to make up the difference.

What confidence is necessary?

Disability insurance depends on your mental attitude and financial wealth. Do you have enough saved up to cover you and your family in the event of an accident or sickness that could hinder your earning potential? Can you maintain your current standard of living on less than your normal weekly income? Do you feel confident that your employer's coverage will be sufficient to cover your normal expenses? If you answered no to any of the above questions, then you should definitely consider acquiring individual disability insurance.

Did you research all insurance companies?

Disability insurance policies for individuals differ from one provider to the next. It is necessary to find an individual disability insurance policy that best meets your needs with the insurance company that you trust the most. You will be entrusting your wellbeing and the wellbeing of your family to the insurance company. Individual disability insurance is not a package that you can buy off the shelf. Instead, your individual disability insurance has to be tailored to meet your needs.

Will disability income meet all my financial needs?

Disability income insurance can cover you in the event of a severe accident or illness but, it really depends on how much disability income insurance you purchase as to whether or not it will be able to meet all of your financial needs. The greatest number of families have no form of disability income insurance.

How much is income protection?

Short term disability income insurance covers the first few months you are disabled and the benefits of short-term disability income insurance, are many . Short term disability income insurance is a temporary relief though. If your condition prevents you from working for more than the covered period, then you will need to rely on long term disability income insurance.

Tax free?

Disability insurance can be purchased up to a certain percentage of your income and is tax free if you pay for it yourself.

Disability insurance does not mean you have to take the maximum but you would be wise to take sufficient to cover your monthly bills, even if you give up covering some items.

Disability insurance is sometimes hard to think about. Some people believe that if they make a Will that it will bring them faster to their Maker. Ditto for disability; take a policy and get disabled. But of course it doesn't work that way.

Do it now?

And the worst thing to do is to consider taking a policy and then becoming disabled before getting a policy in force. Disability insurance quotes will give you firm premium figures for various amounts of income and then you can make up your mind what to do. Even if you take a disability insurance policy with the longest waiting period, it will start paying when you , really, really need it.

What is the cost of income protection?

Disability insurance cost should be considered as a percentage of your income. If you earn $60,000 a year is 2% or 3% of that too high a cost to ensure that your net income will continue? Only you can answer that after you have obtained a written disability insurance quote based on your income.

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