Disability Salary Insurance: Protect Your Income Quebec 2026

Q: Who should take out salary insurance?

Self-employed workers, business owners, employees without a disability plan or with a partial plan. Also professionals whose incomes exceed the collective ceilings.

Q: What is the recommended waiting period?

90 days is a good compromise if you have an emergency fund of 3 months. 120 days for minimum premium. 30-60 days if no savings.

Q: Are the CNESST and employment insurance enough?

No. The CNESST only covers workplace accidents. Employment health insurance is limited to 15 weeks at 55% capped income. Long-term disability requires private protection.

Q: Is the benefit taxable?

For an individual policy paid for by you, the benefit is tax-free. This is why it is capped at 85% of net income.

Q: Can I subscribe if I am newly self-employed?

Yes, but some insurers require 2-3 years of experience or proof of stable income.

Q: What is the difference between 'own profession' and 'any occupation'?

'Own profession' pays if you can no longer do your specific job. 'Any occupation' pays only if no work is possible. The former is much more protective.

Q: Can I work part-time during disability?

With the partial or residual disability option, yes. The insurer pays a percentage proportional to the loss of income.

Q: Why use an independent broker?

Disability insurance is complex (definitions, classes, deadlines, exclusions). An AMF broker compares contracts beyond the price. Free service paid for by the insurer.

Your salary is the foundation of your financial security. An accident, illness or prolonged disability can deprive you of income for months or even years. Disability insurance pays a monthly pension of up to 85% of your net income — ideal for self-employed workers, employees without sufficient group coverage and business owners. Assur360 compares the best policies for free via our AMF-certified brokers.

Quebec self-employed worker on a construction site — disability salary insurance — For self-employed workers in Quebec, salary insurance is the only financial safety net in the event of a work stoppage.

Quebec family — Assur360 salary insurance

IN BRIEF

Salary insurance (disability)

Salary insurance replaces 60-85% of your income in the event of disability (illness or accident) preventing you from working. Essential for self-employed and professional workers without group insurance.

Waiting period: 30, 60, 90 or 120 days before the start of benefits. The longer the delay, the lower the premium. Ideally combined with an emergency fund covering the deadline.

SALARY INSURANCE QUEBEC

Replace up to 85% of your income

Non-taxable monthly pension in case of disability. Starting at $32/month.

Get my free quote

85 %

Of the replaced net income

Insurers Compared

3 min

To get a price

100 %

Free and without obligation

Why take out salary insurance in Quebec?

According to Statistics Canada, 1 in 3 workers will be disabled for more than 90 days before retirement. Federal Employment Insurance pays a maximum of 15 weeks of sickness benefits at 55% of your income (capped), then you have nothing. Private disability insurance pays you a tax-free monthly pension until age 65 if necessary, to maintain your debts, quality of life and family obligations.

💵

Tax-free monthly pension

Paid for as long as the disability lasts, until retirement if necessary. Amount without withholding tax.

🧑‍💼

Ideal for self-employed workers

Without a group plan or CNESST for illness, you are solely responsible for your safety net. Essential protection.

🛡️

Complements group insurance

Employer-sponsored plans are often capped at 60%. An individual policy closes the gap and follows you even if you change jobs.

Types of Disability Insurance Policies

There are four main families of covers. An AMF broker helps you combine the best solution according to your job profile and budget.

🏆 Long-term disability

Pension paid until age 65. Waiting period of 90 or 120 days. Essential to protect your career.

⏱️ Short-term disability

Paid for a few weeks to 2 years. Useful to cover the period before long-term benefits start.

💳 Payment protection

Specifically covers your monthly payments (mortgage, car, line of credit). Partial, less expensive solution.

🏢 Business overhead expenses

For business owners: pays fixed expenses (rent, salaries, insurance) during your disability. Complement to business insurance.

How to get your salary insurance quote

Fill out the form in 3 minutes

Occupation, gross income, status (salaried, self-employed), age, smoking.

Classification of your occupation

Insurers classify each profession (A, AA, B, C, etc.). The higher the class, the lower the premium. The broker optimizes for you.

Choice of options: time limit, duration, definition of disability

Waiting period 30/60/90/120 days, benefit period 2 years / 5 years / until age 65, “own profession” or “any occupation” coverage.

Proof of income and enforcement

T4, notice of assessment or financial statements. Medical questionnaire depending on the amount. Policy active in a few days.

💡

Pro tip: choose “own profession”

The definition of “own profession” means that the insurer pays you if you can no longer do your specific job, even if you could do another job. It is the best protection for professionals (doctors, dentists, lawyers, accountants, truck drivers, etc.). Higher premium, but guaranteed payment in the event of a dispute.

2026 salary insurance rates in Quebec

Examples of monthly premiums for a pension of $3,000 per month, 90-day period, benefits up to age 65, Class A occupation, non-smoker.

woman male

Age	Non-smoking	Non-smoking	Self-employed (+)
30 years	$62/month	$42/month	+ 15 to 25%
40 years	$105/month	$72/month	+ 15 to 25%
50 years	$168 / month	$125 / month	+ 20 to 30%

*Indicative rates 2026 — pension $3,000 / month, class A. Your exact price in 3 min.

⚠️

Read the definition of disability carefully

An “all-occupation” policy pays only if no paid work is possible — a severe restriction. The definition of “own profession” or “own job” is much more protective, especially for qualified professionals. An AMF broker helps you compare contracts beyond the price.

ACT BEFORE ILLNESS

Subscribing after a diagnosis is impossible

Insurers refuse applications with recent histories. Protect your health.

Compare 9+ insurers

Salary insurance service throughout Quebec

Our AMF-certified brokers serve workers and professionals in Montreal, Quebec City, Sherbrooke, Gatineau, Laval, Trois-Rivières, Saguenay, Thetford Mines and all regions of Quebec. Telephone or videoconference consultation, 100% electronic signature, analysis of your professional situation to optimize the job class.

🛡️ Life insurance

Protection for your loved ones in case of death. Supplement to disability salary.

🏥 Critical illness insurance

Lump sum in case of cancer, stroke, heart attack.

🏡 Mortgage insurance

Protect your largest investment with an individual policy.

🏢 Business insurance

For owners: protect the business and your income as an entrepreneur.

Frequently asked questions

Who should take out salary insurance?

All workers without a strong collective safety net: self-employed workers, business owners, employees without a disability plan or with a partial plan. Also relevant for professionals whose incomes exceed the collective ceilings (doctors, dentists, lawyers).

What is the recommended waiting period?

The longer the delay, the lower the premium. 90 days is a good compromise if you have an emergency fund of 3 months of expenses. 120 days minimum premium. 30 or 60 days if you have no precautionary savings.

Are the CNESST and employment insurance enough?

No. The CNESST only covers workplace accidents. Employment health insurance is limited to 15 weeks at 55% of capped income. After that, nothing. Long-term disability requires private protection.

Is the benefit taxable?

For an individual policy paid for by you, the benefit is tax-free. This is why insurers cap the pension at 85% of net income (to avoid making disability more profitable than work). For a group policy paid by the employer, the benefits are taxable.

Can I subscribe if I am newly self-employed?

Yes, but some insurers require 2-3 years of experience or proof of stable income (T4A, Notice of Assessment). An AMF broker identifies the most flexible insurers for new entrepreneurs.

What is the difference between “own profession” and “any occupation”?

” Own profession “: the insurer pays you if you can no longer do your job, even if you could do something else. ” Any occupation “: the insurer only pays if you cannot do any work. The first is much more protective.

Can I work part-time during disability?

With the partial or residual disability option, yes. The insurer pays a percentage of the pension proportional to the loss of income. Very useful for gradual returns to work.

Why use an independent broker?

Disability insurance is one of the most complex products: definitions, occupational classes, deadlines, exclusions, bonus options. An independent AMF broker compares contracts beyond the price to find the best real protection for your trade. Free service paid for by the insurer.

Why trust Assur360?

✓Partner platform of AMF-certified firms

✓Partner firms that are members of the Chamber of Insurance

✓More than 100,000 submissions

✓13 partner firms

✓Independent brokers

✓100% free service

FREE QUOTE

Protect your income before it’s too late

Up to 85% of salary replaced, non-taxable. AMF certified brokers.

Get my quote 1-866-357-4451