Disability insurance

For 2 or 5 years, or up to age 65.

No waiting period!

In the event of hospitalization or day surgery, you’ll start receiving benefit payments on the first day if you chose a waiting period of 90 days or less.

Additional coverage

• Partial disability: Get 50% of your monthly benefit if you work part-time after an accident or illness or return to work gradually
• Cost of living: If you’re totally disabled for more than 12 consecutive months, your monthly benefit payment will be indexed to inflation
• Return of premiums: Get up to half of the cost of your paid premiums back if you cancel your policy
• Own occupation extension: Keep receiving benefits beyond the 24-month total disability period set out in your basic coverage if you’re unable to perform the usual duties of your job, even if you could hold down another job