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Our team at Duralegacy ensures that you maintain a comfortable standard of living even if you become ill or injured and are unable to pay your bill, cover your food expenses, and contribute financially to your family.

With Disability Income Insurance from Duralegacy, you can continue to pay your bills and keep you and your family from going into serious debt.

Choosing the Right Disability Coverage is Important.

Policies can vary greatly depending on the situation and the duration and amount for which you are reimbursed. Disability insurance Canada, like life insurance, can be purchased for a limited period of time, such as a two or five-year term, and benefits will only be paid if you become disabled during the term of the policy.

At Duralegacy, we will look at the individual factors in your life and work situation and design the best policy that will ensure that you and your family have enough coverage.

Benefits of Disability Insurance with Duralegacy.

> Flexible Options: Our disability insurance Canada plans offer a range of benefit and premium options to suit your occupation, income level and other factors.

> Helps You Return to Work: Many of our plans provide return to work benefits such as rehabilitation, job retraining and other services to help you get back to work.

> Scalable: Some employer-sponsored plans could end if you leave your job. A disability insurance plan from Duralegacy will linger on even after you leave the job.

Get in touch with Duralegacy today to discuss your Disability Insurance Options.

“ Disability Insurance is a source of protection in the event of an unexpected illness or accident that takes place in which an individual is unable to work and earn an income. There are different types of insurance plans which provide a variety of benefits that are suitable for everyone’s needs. On average, the insurance covers between 60% and 85% of an individual’s income, up to a maximum amount within a specific time frame. This applies to people who temporarily cannot work or are permanently disabled which primarily refers to the nature of the cause. This falls into two categories: (1) Short-term disability insurance and (2) Long-term disability insurance. 

Short-term disability coverage typically provides benefits for up to 6 months. If all the sick leave days have been used and enough hours have been worked, one can be eligible for Employment Insurance (EI) sickness benefits. However, once the short-term disability insurance, sick leave and EI benefits come to an end, long-term disability insurance benefits begin.

Most long-term disability plans will replace about 60% to 70% of the income. Some plans may provide disability benefits for up to 2 years depending on the individual if they are unable to return to the job after becoming disabled. After 2 years, the benefits may continue only if they are unable to work at any job. One way or another, these plans are beneficial whether it’s for a short amount of time or for a longer period. But keep in mind, not every disability is visible.”