Disability Insurance (Accident and Sickness Insurance)

While life insurance provides protection for an individual in the event of premature death, disability insurance provides financial protection to an individual who becomes unable to work because of health impairment. Disability insurance pays a benefit during the insured individual's lifetime and is commonly referred to as a living benefit. For the majority of working-age Canadians, their greatest asset is their ability to work and earn a living. The loss of this ability could result in financial disaster for most Canadians, if there is no financial safety net available to offset the loss.

Individual disability insurance provides a regular income when an insured individual suffers a disability, total or partial, depending upon the policy, which impairs him/her from working. There are a variety of features to incorporate into a plan. Talk to one of our financial advisors at EKC MoneyWorks to customize your plan.


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