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Long Term Disability Insurance Disability insurance provides financial protection when an accident or illness causes you to be disabled and unable to work or earn an income.Disability insurance replaces up to 2/3 of your income if you are unable to work as a result of injury or illness. Benefits are paid monthly and are tax-free, if set up properly. Policies differ on how soon you would collect benefits and for how long. Policies also vary in definitions of disability, whether disability benefits are received if you can't perform the duties of your own occupation, a job in your field, or any job at all. Unlike Critical Illness Insurance and Life Insurance (where the benefit is usually payable in a lump-sum and such payment ends the contract), Disability Insurance benefits are always payable on a monthly basis while disability continues until age 65. Upon recovery from a disability, the policy continues. Benefits could potentially be payable again for subsequent disabilities or for the recurrence of a prior disability. Why You Need It Most people are unaware of the startling disability statistics. The likelihood that a person will become disabled before the age of 65 is five-times greater than the risk of death. Death is inevitable, but disability is more probable at any given age. Get Paid to Stay Healthy! Now there's a disability policy that pays you to stay healthy. You can get back up to 70% of your premiums if you never make a claim and you keep your policy in force for at least 10 years. Please contact us today for your no-obligation consultation. We look forward to helping you and your family. "I became aware of critical illness insurance this year and over the last number of months have investigated it for me and my family. I met with several agents. I had heard Mark's advertising on 680New... " Read more Brett J. Tkatch Partner Blaney McMurtry LLP "Mark has been our Insurance and Financial Advisor for fifteen years. We trust him implicitly to always find us the best solutions to meet our changing needs. What is truly amazing is that even after a... " Read more Lee Rand President Rand Research Corporation "Gord Stellick, a close friend since high school, referred me to Mark. I am a busy successful business owner, with virtually no time to take care of my personal matters that far too often take a back s... " Read more Bruce Farrant President The More Group Inc. | ||
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