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The number of consecutive days one must be totally disabled before they become eligible for benefits – a longer elimination period lowers the cost of coverage, and vice versa.

This is defined as the inability to work at the insured’s regular occupation at the time disability begins, even if the insured still might be able to work at another occupation.

A sickness or injury is considered a total disability if it keeps you from doing all the substantial and material duties of your regular job and requires a physician’s care during the benefit period.

Income Protection is meant to keep enough money flowing into your household if you’re disabled & unable to work, so it’s important to look at your expenses & determine how much you’ll need for replacement. If the disability becomes long term, planning for things like retirement, future living expenses & children’s education expenses is essential.

Income Protection can cost as little as one percent of your income. It’s hard to think about insurance versus all those other things you buy. But protecting your income helps you live your best life in the long run.

It may not happen to you — but more than one in four people over the age of 20 will become disabled during their working lives. For some people, Income Protection makes a big difference in their daily lives.