Disability Protection

Your ability to earn an income is your greatest asset. A sickness or accident may make you unable to work, but you still need income. These plans can replace your income when you are unable to work.

  • Replacing Your Income

    • Provides income to your family when you are unable to do so
    • Replaces your paycheque
    • Options are available to keep pace with inflation
    • Use this plan to top-up other long term disability or critical illness plans
  • Basics

    • Benefits are paid to age 65
    • Definition of disability should be directly related to your occupation
    • Recurrent and concurrent disabilities both covered
    • Executive plans usually include partial and residual coverage
  • Options

    • Own Occupation: Pays you when you cannot do your job
    • Inflation Protection: Benefits keep pace with cost of living
    • Growth Options: Add to your protection without proof of health
    • Conversion: Convert to Long Term Care Plan without medical evidence
    • Lifetime Benefit: Receive income beyond age 65
    • Return of Premium: Get a refund if you do not file a claim
  • The usefulideas® advantage

    • Tailor your plan to pay the maximum benefit, as soon as possible for the longest period of time
    • Ensure that your new plan meshes with your other protection plans to provide highest amount of income replacement