Don't leave any aspect of your financial well-being to chance; protect yourself with the right insurance coverage for all your needs.
Long-Term Disability Insurance
Life can be unpredictable. An unexpected illness or injury can prevent you from working and disrupt your financial stability. Long-Term Disability Insurance (LTD) helps protect your income and your family by providing financial support when you need it most.
What Is Long-Term Disability Insurance?
Long-term disability insurance is designed to replace a portion of your income if you are unable to work due to a disability lasting more than 90 days. Most policies provide 50–60% of your pre-disability income until you can return to work or reach the end of the policy term. Many policies also include benefits such as rehabilitation support or vocational training to help you re-enter the workforce.
Key Benefits
Income Protection
Helps replace lost income, ensuring you can continue to cover living expenses during a long-term disability.
Customizable Coverage
Tailor your policy with options for benefit amounts, elimination periods, and coverage duration.
Tax Advantages
Premiums may be tax-deductible, and benefits received are often tax-free (depending on how premiums are paid).
Peace of Mind
Focus on recovery without financial stress knowing your income is partially protected.
Why You Need It
Even a minor injury or illness can have a major financial impact. Long-Term Disability Insurance ensures that your lifestyle and savings are protected, giving you confidence that you and your family are secure no matter what happens.
Protect your income today. Speak with our insurance specialists to find a long-term disability plan that fits your needs and budget.
