Protect the asset that funds everything else
Your earning ability supports your mortgage, family, savings goals and lifestyle.
Disability coverage is designed to help keep those plans on track when illness or injury affects your ability to work. It can provide a monthly benefit so everyday expenses and long-term goals do not have to carry the full burden of an income interruption.
Keep recovery from becoming a financial setback
Disability insurance can help replace income while you focus on recovery, helping protect both current cash flow and the assets you have already built.
Replace Lost Income
Monthly benefits can help support cash flow while a covered disability keeps you from working.
Preserve Savings
Reduce pressure to draw down RRSPs, TFSAs, FHSAs or rely on debt during recovery.
Support Your Family
Help keep essential household commitments moving while your regular paycheque is interrupted.
Protect Long-Term Plans
Maintain more of the savings and investments intended for future goals.
Short-term and long-term protection
The right structure depends on your occupation, current benefits, budget and how long you want coverage to continue.
Short-Term Disability
Designed for the initial period of an illness or injury. It can help bridge the early income gap and may coordinate with workplace benefits.
Long-Term Disability
Designed to begin after an elimination period and provide benefits for a longer disability, subject to the policy's terms and definition of disability.
Coverage should fit the way you earn
Waiting periods, benefit periods, policy definitions and existing workplace coverage all matter when building an individual solution.
Employer group coverage vs. individual coverage
Individual disability insurance can provide more control over how your protection is structured and may complement the coverage you already have through work.
Feature | Employer Group Plan | Individual Plan |
|---|---|---|
Portability | May end when employment changes | Designed to stay with you |
Policy Control | Employer selects plan terms | You select your policy structure |
Tax Treatment | Depends on who pays the premium | Can differ based on premium structure |
Definition of Disability | Defined by the group contract | Selected from available policy options |
Built around the way you earn
Individual disability insurance may be especially relevant when your income depends heavily on your own ability to perform specialized or hands-on work.
1
Professionals & Skilled Trades
Coverage can be structured around specialized duties and occupation-specific risks.
2
Business Owners
Protect personal income when the business depends on your continued ability to work.
3
Self-Employed
Build an income-protection layer when traditional employee benefits are unavailable or limited.
How TruCover builds your income protection
A practical four-step process helps identify gaps and structure coverage around your needs.
1
Coverage Audit
Review income, existing workplace benefits and potential protection gaps.
2
Market Comparison
Compare available options from Canadian insurance carriers.
3
Custom Structure
Select waiting periods, benefit periods and policy features that fit your needs.
4
Application
Complete the insurer application and underwriting process for the selected solution.
Frequently Asked Questions
Clear answers to common disability insurance questions.
It is designed to provide income benefits when a covered illness or injury prevents you from working, subject to the policy's definition of disability, exclusions, waiting period and other terms.
Some policies can define disability in relation to your specific occupation. The exact wording varies by insurer and policy, so the contract should be reviewed carefully.
Yes. Individual coverage can be particularly relevant for self-employed people who do not have access to traditional employer disability benefits.
The appropriate amount depends on income, expenses, current benefits, savings and insurer limits. A coverage review can help identify the gap.
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