Disability Insurance

Your income is your greatest asset. Protect it.

18+ years of independent income protection advice in Mississauga & the GTA: for self-employed professionals, business owners, and salaried employees who can't afford a gap between an injury and their next paycheque.

Book a Consultation Call 1-647-241-2737

Coverage Solutions

Income protection built for how you actually work

Three structures to protect income, overhead, and key people.

Individual Disability Insurance

Portable, non-cancellable income protection designed for business owners and self-employed professionals.

Stays with you, not your employer
Guaranteed renewable premiums
Own-occupation options available

Business Overhead Expense (BOE)

Covers fixed business expenses, such as rent, utilities, and employee salaries, if you're disabled and can't work.

Keeps the business running
Typically 1–2 year benefit periods
Premiums often tax-deductible as a business expense

Executive & Key Person Disability

High-limit coverage tailored for corporate executives and the key income generators a business depends on.

Higher monthly benefit maximums
Supplements capped group LTD plans
Structured around total compensation

Why It Matters

The gap most group plans leave open

If you're self-employed or incorporated, there's no employer group plan protecting your income if illness or injury takes you out of work. You're relying entirely on savings, or nothing at all.

And even if you do have a group Long-Term Disability plan through an employer, it often leaves gaps: benefits are frequently taxable (reducing what actually reaches your bank account), payouts are capped well below your real income, and the coverage isn't portable if you change jobs or go independent.

As independent advisors, we compare individual and supplemental options across Canada's top carriers to close those gaps with coverage that's actually built around your income, not a one-size-fits-all group formula.

Carriers we compare for you

A sample of the Canadian insurers in our market comparison.

Actual carrier availability and benefit maximums depend on your occupation class, income, and underwriting at time of application.

Know the Terms

Policy definitions explained

The fine print that actually determines how well a policy protects you.

Own Occ vs. Any Occ

Own-occupation pays if you can't do your specific job; any-occupation only pays if you can't do any job you're reasonably suited for.

Elimination Period

The waiting period (typically 30, 60, or 90 days) between when you become disabled and when benefits start paying out.

Benefit Period

How long payments continue once you're approved: common options are 2 years, 5 years, or all the way to age 65.

COLA & Future Increases

Cost of Living Adjustment riders increase benefits with inflation during a claim; future increase options let coverage grow with your income.

FAQ

Common questions about disability insurance

How much income can I insure?

Most carriers will insure a percentage of your gross income, commonly in the 60–85% range depending on income level and occupation class. Business owners and higher earners often need multiple policies stacked together to reach adequate coverage, which is part of what we help structure.

What's the difference between Own Occupation and Any Occupation?

Own-occupation coverage pays out if you can't perform your specific job. A surgeon who can no longer operate but could technically teach still qualifies. Any-occupation coverage only pays if you can't work in any job reasonably suited to your education and experience, which is a much higher bar to meet.

Are disability benefit payouts taxable in Canada?

It depends on who pays the premiums. If you personally pay for an individually-owned policy with after-tax dollars, benefits are generally received tax-free. If an employer pays your group LTD premiums (or you pay them with pre-tax dollars), the resulting benefit is usually taxable as income. This is a general rule, not a tax opinion. Confirm how it applies to your specific plan with an accountant.

How long do benefit payouts last?

That's set by your policy's benefit period: common options are 2 years, 5 years, or all the way to age 65. Shorter benefit periods cost less but leave you exposed if a disability is long-term, which is a tradeoff worth discussing based on your savings and other income sources.

I'm self-employed: is disability insurance harder to get?

It typically requires more documentation, usually two years of tax returns or financial statements to verify income, but it's not harder to qualify for in principle. If anything, self-employed professionals often need it more, since there's no employer plan to fall back on.