Disability Insurance

Disability insurance provides financial protection by replacing a portion of your income if you’re unable to work due to illness or injury. This coverage ensures you can manage living expenses and maintain financial stability during recovery periods.

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Our Reviews

Excellent4.8 Based on 380 reviews from ★★★★★ Spoke with Artmiz. Very knowledgeable and very professional. Answered all my questions.Would highly recommend her to family and friends...actually, I already did and my friend was very pleased with the service she receivedPam SinghPam Singh ★★★★★ My dealings with both Adam and Theresa were handled in a professional prompt manner giving me confidence in Alliance. I hope never to have the need to use my coverage, but I would hope that the experience would be as good.Eklove ShatnerEklove Shatner ★★★★★ Ummi was most helpful and informativewhen I purchased Trip Cancellation andInterruption coverage on September 19!Stephen J. RushfordStephen J. Rushford ★★★★★ Amazing service! Nice to talk with a real person and not just online. Great at changing my insurance with no issues.Joanne HuntJoanne Hunt ★★★★★ Artmiz was capable, responsive and punctual. A good experience!Geoff StilesGeoff Stiles ★★★★★ Once again Ummi has provided an economical rate and stress free service for my snowbird health insurance. Strongly recommend for price and revive many thanksElizabeth BastableElizabeth Bastable ★★★★★ Theresa helped me get medical insurance for my upcoming trips. She explained everything in detail making it an easy for me to make the decision!christine Foxchristine Fox ★★★★★ Theresa Hauser provided excellent service - clear information and great support regarding travel insurance- both cancellation and interruption.Don WagnerDon Wagner ★★★★★ Theresa was very helpful & answered all my questions. Very efficient & I received all the documents & information within minutes. Thank you TheresaIrene HartlIrene Hartl ★★★★★ Quick and efficient process and very good, pleasant exchange with agent Theresa HeuserRandy KlattRandy Klatt ★★★★★ Theresa is very helpful and efficient. I get all my insurance needs done seamlessly by this company.Maria Cecilia Danganan-LandichoMaria Cecilia Danganan-Landicho ★★★★★ Artmiz Namazi was a very nice person to deal with. She went far and beyond to help me to have the best deal. She understood my problem and made sure I knew it was solved. I will greatly recommend her to anyone searching for emergency travel insurance.Catherine PoplawskiCatherine Poplawski ★★★★★ Theresa Heuser helped me with buying travel insurance today. She was amazing!! The process was fast and painless. I always find buying our travel insurance to be one of the most stressful things in getting ready to travel. Thank you Theresa for making it so easy for me.Pat and Art ThorrougoodPat and Art Thorrougood ★★★★★ Theresa was prompt at replying, answering all my questions and very friendly and pleasant to deal with. She is an asset to your company.Yvonne FjaagesundYvonne Fjaagesund ★★★★★ Great experience. Theresa Heuser And Sabrina Izdiher helped me with everything. Very helpful and awesome customer serviceGurasisGurasis ★★★★★ Great professional quick service!Colleen Van HornColleen Van Horn ★★★★★ It was good, customer service and the client dealing is best and also they get you good deals.Ahtsham SaifAhtsham Saif ★★★★★ Theresa was very clear and helpful with our travel insurance questions.Gabriella KleinGabriella Klein ★★★★★ Theresa was very helpful and professional in all our dealings! Would recommend her highly.Joyce SchaafJoyce Schaaf ★★★★☆ Theresa was very efficient, friendly and patient.Sandra PerrinSandra Perrin ★★★★★ Artmiz Namazi was an excellent person to deal with. She was very knowledgable and gave me excellent advice. Her quick response to my inquiries on line and over the phone were great. She was extremely helpful and friendly and gave 5 star service.The price for the insurance I needed was also excellent. Thanks ArtmizFran SmythFran Smyth ★★★★★ Excellent product at a cheaper price than other providers.Dale CrawfordDale Crawford ★★★★★ Brilliant and professional support given by Artmiz. Very happy with our Travel Insurance Policy. Thank youSabir ParvaizSabir Parvaiz ★★★★★ I am So glad and happy to have the agent name Ummi to assisted me purchase our travel insurance, very pleasant and helpful. Introduced her to my friends, they were happy with the service too. Thanks Ummi. For sure will looking for you at next travel time.Van TranVan Tran ★★★★★ Great people & service.Dave GobellDave Gobell ★★★★★ Great job, knowledgeable, very patient and tried her best to help me. Thanks Ummi for excellent customer serviceRazijaRazija ★★★★★ Artmiz was very pleasant and efficient to deal with. She was prompt in her replies, and in answering any other questions we had. Her travel insurance pricing was the best that we found,Jean BamfordJean Bamford ★★★★★ Artmiz was totally great!! She is so pleasant, efficient and she gave us the best price and advice!! It was a pleasure to work with her.Ian BamfordIan Bamford ★★★★★ Very good. LovelyDonna KeenanDonna Keenan ★★★★★ Our agent Artmiz was very knowledgeable and answered all of our hypothetical travel scenarios with ease. The premium savings were significant because Allianz offers "top-up" products to those of us who have existing coverage, but need more.catherine onishicatherine onishi ★★★★★ Ummi is always helpful and professional. She has been helping our family for all travel insurance over the past years.MargieMargie ★★★★★ Ummi is courteous and professional. Good job!Rod SetoRod Seto ★★★★★ Artmiz was very pleasant and helpful in providing the coverage needed for my trip.John CliffordJohn Clifford ★★★★★ Nice Dealing And Nice Explanation…Harman BasraHarman Basra ★★★★☆ I want to let everyone know that when you buy your insurance from Alliance, buy it from Dornaz. I have had 2 separate policies through her and can't say enough about her thoroughness, knowledge of the product and her customer service. It was pleasure dealing with her.Nola DyckNola Dyck ★★★★★ Great customer serviceJennifer PhillipsJennifer Phillips ★★★★★ I had a very good experience with Dornaz. She was very helpful and got my policy together quickly. I will certainly recommend her to my friends.Steve StaplesSteve Staples ★★★★☆ Thank you Theresa and Adam for your help with our travel insurance plans, for your timely assistance and the savings you were able to find for us.Yogashiatsuyucatan DonypaolaYogashiatsuyucatan Donypaola ★★★★★ Artmiz Namazi provided excellent service. She was very professional and took the time to explain the insurance coverage and answer all my questions. She is a great asset to your company and I will not hesitate to recommend her to my friends and familyChris DingsdaleChris Dingsdale ★★★★★ Artmiz was very helpful, friendly and informative. She really knows her subject and was ready to help in any way.Carolyn CassellsCarolyn Cassells ★★★★★ Theresa Heuser is professional and competent in the insurance process. A pleasure!Ronald BironRonald Biron ★★★★★ What a pleasure dealing with Ummi, who took all the pain out of purchasing Travel Insurance for my wife and I, who are both 80 year old Seniors. Sensitive and yet enquiring, Ummi guided us through the minefield of questions with the competant ease of an expert. Ummi was responsive to any unintended omissions and made sure there were no loose ends that could disqualify any future claim. We go on Holiday knowing that we have been professionally prepared with cover for Medical emergencies, if they should arise.John DawkinsJohn Dawkins ★★★★★ great service by the phone and email.h mh m ★★★★★ We bought Emergency Medical policy for our coming trip from Ummi Hanny. She was such a good help and responsive to all our questions, either by phone or emails. Such an excellent service, above and beyond our expectations!! Thank you!Jacob SteinbergJacob Steinbergjs_loader
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Shopping for Disability Insurance? We Can Help!

We make finding the right insurance coverage fast and simple by connecting you with the best insurance providers in Canada.

Browse options, compare rates, and save more on HealthRates.ca.

Understanding Disability Insurance

Life is full of surprises, and accidents can disrupt our well-being unexpectedly. When injuries leave you disabled, it not only affects your personal life but also impacts your income. Extended periods away from work due to disabilities can leave you financially strained.

At Healtrates.ca, we recognize the importance of protecting your income against unforeseen disabilities. Our Disability Insurance ensures you receive 60%-85% of your income in case of temporary or permanent disability. This financial support is crucial for maintaining your standard of living during challenging times.

Key Benefits

Disability Insurance provides essential financial protection for Canadians in case they are unable to work due to illness or injury. Here are the key benefits:

Income Replacement:

Disability insurance replaces a portion of your income (typically 60% to 85%) if you can’t work due to a disability.

Financial Security:

It helps you meet financial obligations, such as bills, mortgage payments, and daily expenses, even when you’re unable to work.

Customizable Coverage:

You can tailor disability insurance to your needs, adding extra benefits if desired.

Tax-Free Benefits:

Some disability insurance plans provide tax-free monthly benefits, ensuring you receive the full amount.

Different Types of Disability Insurance

Disability insurance in Canada helps protect your income if you’re unable to work due to illness or injury. There are two main types:

Short-Term Disability Insurance

This plan typically covers up to 6 months and replaces around 70% of your salary. Some employers offer this as part of benefits, requiring employees to use other benefits (like sick leave) first. If your employer’s coverage is insufficient, you can purchase additional short-term disability insurance independently.

Long-Term Disability Insurance

This plan provides coverage for two or more years, replacing approximately 60% of your salary. However, it becomes accessible only after short-term disability insurance or Employment Insurance coverage ends, and you’ve depleted other employment benefits like paid vacation days and sick leave .

Tips for Saving Money on Disability Insurance

One of the most effective ways to save money on Disability Insurance is by comparing rates from different insurance providers. While this process can be time-consuming, services like HealthRates.ca simplify it for you. By requesting a quote through our website, We assess rates from major Canadian insurers on your behalf. Below are some additional money-saving strategies that you can consider:

Age Consideration

Your age category significantly influences your premium rates. To secure lower premiums, consider purchasing a policy at a younger age. Avoid potential rate increases by obtaining Disability Insurance before your next birthday.

Employer Coverage Assessment

Optimize your premiums by adjusting your plan to bridge any gaps in the coverage provided by your employer. Evaluate whether your employer’s coverage meets your needs or if additional individual coverage is necessary.

Smoking Status Impact

Smokers may face premiums up to 100% higher compared to non-smokers for equivalent coverage levels. To substantially lower your premium costs, contemplate quitting smoking. Not only will this save you money, but it will also contribute to your overall health and well-being.

Coverage Bundling Strategy

Disability Insurance is often paired with Life Insurance or other policies. Obtain your policies from the same provider to benefit from discounted rates. Bundling coverage can lead to cost savings.

FAQ’s – Disability Insurance

Learn more about Disability Insurance with our FAQ section. Get answers to common questions about coverage, benefits, and more.

It provides financial protection if you can’t work due to an injury or illness, covering essential expenses.

Yes, if your income is essential for your financial obligations and you don’t have sufficient savings to cover an extended absence from work.

Even if you have pre-existing health conditions, it’s typically still possible to get disability insurance. However, keep in mind that premiums may be higher, and some conditions might not be fully covered or could have limitations.

Determining the right coverage amount depends on several factors, such as your monthly expenses, existing savings, and other income sources. As a rule of thumb, consider coverage that replaces around 60-70% of your income before disability. Consulting a financial advisor can assist you in determining the suitable coverage for your unique circumstances.

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