Quelle différence entre prestations imposables et non imposables ?

L'assurance invalidité individuelle payée avec de l'argent après impôts verse des prestations non imposables. L'assurance collective payée par l'employeur verse des prestations imposables. Notre calculateur travaille en dollars nets après impôts.

Pourquoi les assureurs limitent le taux de remplacement à 65-85 % ?

Pour préserver l'incitatif au retour au travail. Le plafond varie selon la profession : 65 % pour les emplois de bureau, jusqu'à 75-80 % pour les professions libérales.

Ma couverture collective de l'employeur est-elle suffisante ?

Rarement. La collective couvre 60-66 % du salaire brut, souvent pour 2-5 ans maximum, avec une définition toute profession stricte. Une police individuelle complémentaire est presque toujours pertinente.

Propre profession vs toute profession : quelle différence ?

Propre profession : l'assureur paie si vous ne pouvez plus exercer votre métier. Toute profession : l'assureur cesse de payer dès que vous pouvez exercer n'importe quel métier. Propre profession est crucial pour les spécialistes.

RRQ, CSST et AE peuvent-ils remplacer l'assurance invalidité ?

Non. Le RRQ plafonne à ~1 700 $/mois pour invalidité grave. La CSST ne couvre que les accidents de travail. L'AE maladie plafonne à 15 semaines. Ces régimes sont des filets de secours, pas un remplacement d'une police privée.

Quel est le risque de devenir invalide avant 65 ans ?

Selon l'ACCAP, environ 1 travailleur sur 3 vivra une invalidité de plus de 3 mois avant 65 ans. Causes principales : musculosquelettique, santé mentale, cancer, accidents. Durée moyenne d'une invalidité longue : 2,9 ans.

Mes données sont-elles confidentielles ?

Oui, 100 %. Le calculateur fonctionne uniquement dans votre navigateur via JavaScript local. Aucune donnée n'est transmise au serveur. Conforme à la Loi 25.

Free Simulator · Quebec 2026

Disability Insurance Needs Calculator

Get the optimal monthly benefit and waiting period to protect your income — calculated using your fixed expenses and emergency fund.

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2 min

Time required

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Disabled workers before age 65

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Anonymous & free

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Certified brokers

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Important notice — simulation tool only

This calculator provides an indicative estimate for informational purposes only. It does not constitute financial advice and in no way replaces the analysis of an AMF-certified financial security advisor. Only an authorized professional can assess your complete situation (check-up, profession, medical history, existing coverage) and recommend a suitable disability insurance policy. Results vary depending on the assumptions used and the products of each insurer.

Simulator: monthly benefit & waiting period

Disability insurance is intended to replace a portion of your income if an illness or accident prevents you from working. Our calculator estimates the monthly benefit to be purchased and the optimal waiting period (period before the first payment) based on your fixed expenses and your emergency fund.

Estimez votre besoin en assurance invalidité

Vos données restent dans votre navigateur — aucune transmission au serveur.

Principe : la prestation mensuelle doit au minimum couvrir vos dépenses fixes (logement, nourriture, transport, dettes). Le délai de carence optimal est la période pendant laquelle votre fonds d’urgence peut payer ces dépenses avant le premier versement de la prestation.

Revenu et profil

Revenu mensuel net (après impôts, $)

Votre âge actuel

Profession / secteur

Âge visé à la retraite

Dépenses fixes mensuelles

Logement (hypothèque ou loyer)

Épicerie & alimentation

Transport (auto, essence, transport collectif)

Services & télécom (internet, électricité, cellulaire)

Paiements minimums dettes

Assurances & santé (vie, habitation, auto)

Enfants (garderie, sport, école)

Autres dépenses essentielles

Fonds d’urgence & couverture existante

Fonds d’urgence disponible (CELI, épargne, $)

Autres soutiens financiers (conjoint, famille, $ / mois)

Assurance invalidité collective (% du revenu brut couvert)

Durée max des prestations collectives

Prestation mensuelle recommandée

0 $

Montant à viser pour couvrir vos besoins

Délai de carence optimal

—

Durée de prestation

—

Taux de remplacement

—

⚠ Estimation indicative seulement. Ne remplace pas les conseils d’un conseiller en sécurité financière certifié AMF. Consultez un professionnel pour une recommandation adaptée à votre situation complète.

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The 4 key variables of the need for disability insurance

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Monthly net income

Your after-tax salary, QPP and EI. Individual disability insurance benefits purchased with premiums paid by you are tax-free — so they are compared to net income. Conversely, the employer’s group insurance benefits are normally taxable.

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Fixed expenses

Items that cannot be cut easily: housing, food, transportation, debts, essential services, children’s expenses. The minimum benefit must cover this amount. In Quebec, for a typical household, fixed expenses represent about 55-70% of net income.

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Waiting period

The waiting period before the first payment of the benefit. Standard steps: 30, 60, 90, 120, 180 or 365 days. Longer = cheaper premium. Ideally, choose how long your emergency fund can absorb without financial stress.

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Duration of service

How long the benefit will be paid: 2 years, 5 years, or until age 65. The “up to age 65” term costs more but protects against long-term disabilities — what most Quebecers fear most: a disability that lasts for decades.

How to choose the optimal waiting period

period

Waiting	Emergency funding required	Impact on the premium	For whom?
30 days	1 month of expenses	+30 to 40%	Low liquidity, no collective coverage
60 days	2 months of expenses	+15 to 20%	Self-employed with a modest cushion
90 days	3 months of expenses	Reference	Most common choice — good balance
120 days	4 months of expenses	−5 to 10%	3-4 months group coverage + cushion
180 days	6 months of expenses	−15 to 25%	Executives with long collective + solid savings
365 days	12 months of spending	−35 to 50%	High wealth, catastrophe lens only

💡 Rule of thumb

Your optimal waiting period = the longest time your emergency fund can absorb. The longer the delay, the lower the premium — but never to the point of risking personal bankruptcy during the waiting period. The basic rule: 3 months of fixed spending in accessible savings (TFSA, interest account) before extending the period beyond 90 days.

Concrete examples in Quebec

service lead time old old old

Profile	Recommended	Optimal	Duration
Office worker 35 years old, $55,000 net/year, collective 66%, $12,000 emergency	$1,250/month	120 days	65 years
Contractor 42 years old, $80,000 net/year, no group, $30,000 emergency	$4,800 / month	180 days	65 years
Professional (lawyer) 38 years old, $120,000 net/year, $50,000 emergency	$7,500/month	365 days	65 years
Manual worker 28 years old, $48,000 net/year, no collective, $3,500 emergency	$3,200/month	30-60 days	2 years then reassess

Frequently asked questions about calculating disability need

What is the difference between taxable and non-taxable benefits?

Individual disability insurance, whose premiums are paid with after-tax money, pays tax-free benefits. Group insurance paid in whole or in part by the employer pays taxable benefits. Our calculator works in net after-tax dollars to avoid confusion.

Why do insurers limit the replacement rate to 65-85%?

To preserve the back-to-work incentive. A 100% replacement rate would reduce the motivation to return to activities. The limit varies according to the profession: 65% for common office jobs, up to 75-80% for liberal professions and certain executives.

Is my employer’s group coverage sufficient?

Rarely on its own. The collective usually covers 60-66% of the gross salary (≈ 50-55% of the net), often for a limited period of time (2-5 years maximum) and with a strict definition of “any profession” after 24 months. It also disappears if you leave the job. An individual top-up policy is almost always relevant.

Own profession vs any profession: what is the difference?

“Own profession” : the insurer pays the benefit if you are unable to practice your profession, even if you can practice another one. “Any profession” : the insurer stops payments as soon as you can practice any profession. The definition of “own profession” is crucial for doctors, dentists, lawyers and other specialists.

Can QPP + CSST + EI replace disability insurance?

No. The QPP disability pays a maximum of ~$1,700/month (2026), only for severe and prolonged disability. The CSST/CNESST only covers workplace accidents. EI sickness caps at 15 weeks and ~$700/week. These public plans are safety nets, not a replacement for private disability insurance.

What is the real risk of becoming disabled in Canada?

According to Statistics Canada and the Canadian Life and Health Insurance Association (CLHIA), about 1 in 3 workers will experience a period of disability of more than 3 months before age 65. The main causes: musculoskeletal disorders, mental illnesses, cancer, accidents. The average duration of a long-term disability: 2.9 years.

When should I review my disability insurance needs?

At each major life event : new job, salary increase of more than 15%, home purchase, birth of a child, self-employment. At least, every 3-5 years. An individual policy with a future enhancement option allows you to increase the benefit without proof of health.

Is my data confidential?

Yes, 100%. The calculator only works in your browser (local JavaScript). No numbers are transmitted to our servers, no accounts are created, no registration required. Compliant with Law 25.

Disability Insurance Brokers — AMF Certified in Quebec

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AMF certified

Autorité des marchés financiers

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CSF Affiliates

Chambre de la sécurité financière

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100,000+ customers

Quebecers supported since 2005

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7+ insurers

Canada Life, Manulife, RBC, Sun Life, iA, Desjardins, Beneva

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Legal Limitations and Warnings

The calculations presented are based on the data entered by the user and on general assumptions (average replacement rates, net/gross ratios ≈ 72%, standard waiting period levels) which can vary considerably depending on each insurer and each situation. The result displayed is a need estimate and not a personalized recommendation.

Assur360 and its partner brokers, certified by the Autorité des marchés financiers (AMF) and the Chambre de la sécurité financière (CSF), recommend consulting a licensed financial security advisor before taking out any purchase. Only he or she can analyse your medical situation, your profession, your existing coverage, your balance sheet and present you with the appropriate insurers’ contracts.

This simulator does not constitute a contract, an insurance offer, or a financial or legal opinion. Amounts, rates, timelines and examples are presented for educational purposes. Disability insurance products are subject to the approval of the insurer, exclusions, limitations, contractual definitions and conditions that will be specified in the official contract.

Last updated: April 27, 2026