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Online disability disability insurance quote | Protect your income
70 %
of your covered salary
1/3
of Canadians will experience a disability before age 65
2.6 years
Average duration of long-term disability
100 %
Tax-free if you pay your premiums
Request your free quote
Answer a few essential questions: income, professional status, state of health. A Financial Security Advisor will contact you within 24 business hours with a personalized comparison of the best coverage on the market.
Why Disability Insurance Is Essential
💰
Your income is your #1 asset
Over 30 years, a $60,000 employee will earn $1.8 million. You insure your house, your car — why not the income that pays for it all?
🩺
Health insurance does NOT replace your pay
The RAMQ covers care, not loss of wages. The QPIP stops at 26 weeks. Salary insurance takes over until age 65 if necessary.
🏠
Self-Employed Workers: Even More Essential
Without an employer, without a CNESST, you are your only safety net. Personal protection is often the only option in the event of a work stoppage.
How it works
1
You fill out the form (3 min)
Income, employment status, occupation, and some health information — that’s all you need to pre-qualify your application.
2
A Financial Security Advisor will contact you (24 business hours)
It analyzes your profile, compares the offers of several insurers and presents you with the best coverage according to your budget.
3
You choose and sign online
No commitment before signing. Coverage that begins as soon as the insurer approves it.
Frequently asked questions
How much does salary insurance cost?
The premium is generally 1 to 3% of your annual income, depending on your age, profession and the waiting period you choose. For a 35-year-old employee at $60,000, count on about $40 to $90/month.
If I already have coverage from my employer, is it enough?
Not always. Group plans often cover 50 to 60% of salary (vs. 70% for staff), are taxable, and disappear if you change jobs or are fired. Complementary personal coverage follows you everywhere.
I am self-employed — can I benefit from it?
Absolutely, and it’s highly recommended. Without a CNESST or group insurance, you’re your only financial safety net. Insurers offer products specific to self-employed workers based on your declared business income.
How long does it take for the benefits to start?
The waiting period ranges from 30 to 180 days after the onset of disability. The longer the waiting period, the less expensive the premium. The choice depends on your emergency fund and other coverages.
Are the benefits taxable?
If you pay your premiums out of pocket (personal insurance), the benefits are 100% tax-free. If the employer pays all or part of it, the corresponding portion becomes taxable.
How long are benefits paid?
Depending on the contract: 2 years, 5 years, or up to the age of 65. “Long-term” coverage up to the age of 65 is the most comprehensive and recommended for the majority of professionals.
What is not covered?
Exclusions vary but generally affect: undeclared pre-existing conditions, self-inflicted injuries, acts of war, certain extreme sports. A Financial Security Advisor explains each clause to you before signing.
Why go through a Financial Security Advisor rather than directly through an insurer?
A Financial Security Advisor compares several insurers in a single application, which saves time and money. He represents you, not the insurer — including in the event of a claim.
Why choose Assur360
✓AMF-certified financial security advisor and member of the CSF
✓Comparison of multiple insurers in a single application
