{"id":15567,"date":"2014-11-05T07:24:07","date_gmt":"2014-11-05T12:24:07","guid":{"rendered":"https:\/\/www.assur360.ca\/salary-insurance-3\/"},"modified":"2026-05-22T00:43:09","modified_gmt":"2026-05-22T04:43:09","slug":"salary-insurance-3","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/salary-insurance-3\/","title":{"rendered":"Disability Salary Insurance: Protect Your Income Quebec 2026"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n\n<h1 style=\"font-family:'Sora',sans-serif;font-size:clamp(28px,4vw,38px);font-weight:800;line-height:1.2;color:#0d1f2d;margin:32px 0 24px;\"><span class=\"ez-toc-section\" id=\"Disability-Salary-Insurance-Protect-Your-Income-Quebec-2026\"><\/span>Disability Salary Insurance: Protect Your Income Quebec 2026<span class=\"ez-toc-section-end\"><\/span><\/h1>\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"InsuranceAgency\",\n  \"name\": \"Assur360\",\n  \"url\": \"https:\/\/www.assur360.ca\/assurance-salaire\/\",\n  \"logo\": \"https:\/\/www.assur360.ca\/wp-content\/uploads\/2023\/11\/assur360-logo.png\",\n  \"telephone\": \"+1-866-357-4451\",\n  \"address\": {\n    \"@type\": \"PostalAddress\",\n    \"streetAddress\": \"221 boul. Frontenac Ouest\",\n    \"addressLocality\": \"Thetford Mines\",\n    \"addressRegion\": \"QC\",\n    \"postalCode\": \"G6G 1N3\",\n    \"addressCountry\": \"CA\"\n  },\n  \"areaServed\": \"Qu\u00e9bec\",\n  \"serviceType\": [\"Assurance salaire\", \"Assurance invalidit\u00e9\", \"Protection du revenu\", \"Assurance invalidit\u00e9 longue dur\u00e9e\"],\n  \"hasCredential\": \"Certifi\u00e9 AMF (Autorit\u00e9 des march\u00e9s financiers)\"\n}\n<\/script>\n\n<p style=\"font-size:17px;line-height:1.8;color:#334155;\">Your salary is the foundation of your financial security. An <strong>accident, illness or prolonged disability<\/strong> can deprive you of income for months or even years. <strong>Disability insurance pays<\/strong> a monthly pension of up to 85% of your net income \u2014 ideal for self-employed workers, employees without sufficient group coverage and business owners. <strong>Assur360<\/strong> compares the best policies for free via our <strong>AMF-certified brokers<\/strong>.  <\/p>\n\n<figure class=\"wp-block-image alignright size-medium is-resized is-style-rounded\" style=\"max-width:380px;margin:8px 0 16px 24px;\"><img decoding=\"async\" width=\"800\" height=\"800\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2026\/05\/travailleur-construction-quebec-assurance-salaire.jpg\" alt=\"Quebec self-employed worker on a construction site &#x2014; disability salary insurance\" class=\"wp-image-66885\" style=\"border-radius:12px;box-shadow:0 6px 20px rgba(13,31,45,0.12);width:380px;height:auto;max-width:100%;\"  sizes=\"(max-width: 800px) 100vw, 800px\" \/><figcaption class=\"wp-element-caption\" style=\"text-align:center;color:#64748b;font-size:13px;font-style:italic;margin-top:8px;line-height:1.4;\">For self-employed workers in Quebec, salary insurance is the only financial safety net in the event of a work stoppage.<\/figcaption><\/figure>\n\n<div style=\"display:flex;align-items:center;gap:40px;margin:40px 0 56px;background:linear-gradient(145deg,#f8fafc,#f0f9ff);border-radius:20px;padding:40px;border:1px solid #e2e8f0;flex-wrap:wrap;\">\n  <img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2026\/04\/assurance-salaire-invalidite.jpg\" alt=\"Quebec family \u2014 Assur360 salary insurance\" style=\"width:45%;max-width:420px;border-radius:16px;flex-shrink:0;height:auto;\" loading=\"lazy\"\/>\n  <div style=\"flex:1;min-width:280px;\">\n    <p style=\"color:#10c4c7;font-size:13px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin:0 0 12px;\">IN BRIEF<\/p>\n    <h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:26px;font-weight:800;margin:0 0 16px;line-height:1.3;font-family:'Sora',sans-serif;\"><span class=\"ez-toc-section\" id=\"Salary-insurance-disability\"><\/span>Salary insurance (disability)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 12px;\"><strong>Salary insurance<\/strong> replaces 60-85% of your income in the event of disability (illness or accident) preventing you from working. Essential for <strong>self-employed and professional workers<\/strong> without group insurance. <\/p>\n    <p style=\"color:#475569;font-size:15px;line-height:1.7;margin:0;\"><strong>Waiting period:<\/strong> 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.  <\/p>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">ASSURANCE SALAIRE QU\u00c9BEC<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Remplacez-jusqua-85-de-vos-revenus\"><\/span>Remplacez jusqu&#8217;\u00e0 85 % de vos revenus<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Rente mensuelle non imposable en cas d&#8217;invalidit\u00e9. \u00c0 partir de 32 $ \/ mois.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-entreprise-en-ligne\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;\">Obtenir ma soumission gratuite<\/a>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin:0 0 40px;border-radius:12px;overflow:hidden;border:1px solid #e2e8f0;\">\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">85 %<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Of the replaced net income<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">9+<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Insurers Compared<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">3 min<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">To get a price<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">100 %<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Free and without obligation<\/div>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why-take-out-salary-insurance-in-Quebec\"><\/span>Why take out salary insurance in Quebec?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p style=\"font-size:17px;line-height:1.8;color:#334155;\">According to Statistics Canada, <strong>1 in 3 workers<\/strong> 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 <strong>tax-free monthly pension<\/strong> until age 65 if necessary, to maintain your debts, quality of life and family obligations.  <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udcb5<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Tax-free monthly pension<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Paid for as long as the disability lasts, until retirement if necessary. Amount without withholding tax. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83e\uddd1\u200d\ud83d\udcbc<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Ideal for self-employed workers<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Without a group plan or CNESST for illness, you are solely responsible for your safety net. Essential protection. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udee1\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Complements group insurance<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Employer-sponsored plans are often capped at 60%. An individual policy closes the gap and follows you even if you change jobs. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Types-of-Disability-Insurance-Policies\"><\/span>Types of Disability Insurance Policies<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p style=\"font-size:17px;line-height:1.8;color:#334155;\">There are four main families of covers. An AMF broker helps you combine the best solution according to your job profile and budget. <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">\ud83c\udfc6 Invalidit\u00e9 longue dur\u00e9e<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Rente vers\u00e9e jusqu&#8217;\u00e0 65 ans. D\u00e9lai de carence 90 ou 120 jours. Indispensable pour prot\u00e9ger votre carri\u00e8re.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">\u23f1\ufe0f Invalidit\u00e9 courte dur\u00e9e<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Vers\u00e9e de quelques semaines \u00e0 2 ans. Utile pour combler la p\u00e9riode avant que la longue dur\u00e9e ne d\u00e9marre.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">\ud83d\udcb3 Protection de paiements<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Couvre sp\u00e9cifiquement vos mensualit\u00e9s (hypoth\u00e8que, auto, marge). Solution partielle, moins co\u00fbteuse.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">\ud83c\udfe2 Frais g\u00e9n\u00e9raux d&#8217;entreprise<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Pour propri\u00e9taires d&#8217;entreprise : paye les frais fixes (loyer, salaires, assurances) pendant votre invalidit\u00e9. Compl\u00e9ment \u00e0 l&#8217;<a href=\"https:\/\/www.assur360.ca\/assurance-entreprise\/\" style=\"color:#10c4c7;\">assurance entreprise<\/a>.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-to-get-your-salary-insurance-quote\"><\/span>How to get your salary insurance quote<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:flex;flex-direction:column;gap:20px;margin:32px 0;\">\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">1<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Fill out the form in 3 minutes<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Occupation, gross income, status (salaried, self-employed), age, smoking.<\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">2<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Classification of your occupation<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Insurers classify each profession (A, AA, B, C, etc.). The higher the class, the lower the premium. The broker optimizes for you.  <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">3<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Choice of options: time limit, duration, definition of disability<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Waiting period 30\/60\/90\/120 days, benefit period 2 years \/ 5 years \/ until age 65, &#8220;own profession&#8221; or &#8220;any occupation&#8221; coverage.<\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">4<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Proof of income and enforcement<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">T4, notice of assessment or financial statements. Medical questionnaire depending on the amount. Policy active in a few days.  <\/p><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d2d2d,#0a2a2a);border:2px solid #10c4c7;border-radius:12px;padding:24px;margin:32px 0;display:flex;gap:16px;align-items:flex-start;\">\n  <div style=\"font-size:28px;flex-shrink:0;\">\ud83d\udca1<\/div>\n  <div>\n    <p style=\"color:#10c4c7;font-weight:700;font-size:16px;margin:0 0 8px;\">Pro tip: choose &#8220;own profession&#8221;<\/p>\n    <p style=\"color:#94a3b8;font-size:14px;margin:0;line-height:1.6;\">The definition <strong style=\"color:#ffffff;\">of &#8220;own profession&#8221;<\/strong> means that the insurer pays you if you can no longer do <strong style=\"color:#ffffff;\">your specific job<\/strong>, 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.  <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2026-salary-insurance-rates-in-Quebec\"><\/span>2026 salary insurance rates in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p style=\"font-size:17px;line-height:1.8;color:#334155;\">Examples of monthly premiums for a pension of <strong>$3,000 per month<\/strong>, 90-day period, benefits up to age 65, Class A occupation, non-smoker.<\/p>\n\n<div style=\"overflow-x:auto;margin:32px 0;\">\n  <table style=\"width:100%;border-collapse:collapse;font-size:14px;\">\n    <thead>\n      <tr style=\"background:#0d1f2d;color:#ffffff;\">\n        <th style=\"padding:14px 16px;text-align:left;border:none;\">Age<\/th>\n<th style=\"padding:14px 16px;text-align:left;border:none;\">Non-smoking<\/th>\n woman<th style=\"padding:14px 16px;text-align:left;border:none;\">Non-smoking<\/th>\n male<th style=\"padding:14px 16px;text-align:left;border:none;\">Self-employed (+)<\/th>                        \n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr style=\"background:#f8fafc;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">30 years<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$62\/month<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$42\/month<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">+ 15 to 25%<\/td>\n      <\/tr>\n      <tr style=\"background:#ffffff;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">40 years<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$105\/month<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$72\/month<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">+ 15 to 25%<\/td>\n      <\/tr>\n      <tr style=\"background:#f8fafc;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">50 years<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$168 \/ month<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$125 \/ month<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">+ 20 to 30%<\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<p style=\"color:#64748b;font-size:13px;font-style:italic;text-align:center;\">*Tarifs indicatifs 2026 \u2014 rente 3 000 $ \/ mois, classe A. <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-vie\/\">Votre prix exact en 3 min<\/a>.<\/p>\n\n<div style=\"background:#fef2f2;border:2px solid #ef4444;border-radius:12px;padding:24px;margin:32px 0;display:flex;gap:16px;align-items:flex-start;\">\n  <div style=\"font-size:28px;flex-shrink:0;\">\u26a0\ufe0f<\/div>\n  <div>\n    <p style=\"color:#991b1b;font-weight:700;font-size:16px;margin:0 0 8px;\">Read the definition of disability carefully<\/p>\n    <p style=\"color:#7f1d1d;font-size:14px;margin:0;line-height:1.6;\">An &#8220;all-occupation&#8221; policy pays only if <strong>no paid work is possible<\/strong> \u2014 a severe restriction. The definition of &#8220;own profession&#8221; or &#8220;own job&#8221; is much more protective, especially for qualified professionals. An AMF broker helps you compare contracts beyond the price.  <\/p>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">AGIR AVANT LA MALADIE<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Souscrire apr\u00e8s un diagnostic est impossible<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Les assureurs refusent les dossiers avec ant\u00e9c\u00e9dents r\u00e9cents. Prot\u00e9gez-vous en sant\u00e9.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-vie\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;\">Comparer 9+ assureurs<\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Salary-insurance-service-throughout-Quebec\"><\/span>Salary insurance service throughout Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p style=\"font-size:17px;line-height:1.8;color:#334155;\">Our AMF-certified brokers serve workers and professionals in <strong>Montreal<\/strong>, <strong>Quebec City<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Gatineau<\/strong>, <strong>Laval<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong>, <strong>Saguenay<\/strong>, <strong>Thetford Mines<\/strong> and all regions of Quebec. Telephone or videoconference consultation, 100% electronic signature, analysis of your professional situation to optimize the job class. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Related-articles\"><\/span>Related articles<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:32px 0;\">\n  <a href=\"https:\/\/www.assur360.ca\/assurance-vie\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">\ud83d\udee1\ufe0f Assurance vie<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Protection pour vos proches en cas de d\u00e9c\u00e8s. Compl\u00e9ment au salaire invalidit\u00e9.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/assurance-maladie-grave\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">\ud83c\udfe5 Assurance maladies graves<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Capital forfaitaire en cas de cancer, AVC, crise cardiaque.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/assurance-hypothecaire\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">\ud83c\udfe1 Assurance hypoth\u00e9caire<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Prot\u00e9gez votre plus gros investissement avec une police individuelle.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/assurance-entreprise\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">\ud83c\udfe2 Assurance entreprise<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Pour propri\u00e9taires : prot\u00e9gez l&#8217;entreprise et votre revenu d&#8217;entrepreneur.<\/p>\n  <\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"margin:32px 0;\">\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Who should take out salary insurance?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">All workers without a strong collective safety net: <strong>self-employed workers<\/strong>, <strong>business owners<\/strong>, <strong>employees without a disability plan<\/strong> or with a partial plan. Also relevant for professionals whose incomes exceed the collective ceilings (doctors, dentists, lawyers). <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What is the recommended waiting period?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">The longer the delay, the lower the premium. <strong>90 days<\/strong> is a good compromise if you have an emergency fund of 3 months of expenses. <strong>120 days<\/strong> minimum premium. <strong>30 or 60 days<\/strong> if you have no precautionary savings.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Are the CNESST and employment insurance enough?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">No. The <strong>CNESST<\/strong> only covers workplace accidents. <strong>Employment health insurance<\/strong> is limited to 15 weeks at 55% of capped income. After that, nothing. Long-term disability requires private protection.   <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Is the benefit taxable?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">For an <strong>individual policy paid for by you<\/strong>, the benefit is <strong>tax-free<\/strong>. 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.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Can I subscribe if I am newly self-employed?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes, but some <strong>insurers require 2-3 years of experience<\/strong> or proof of stable income (T4A, Notice of Assessment). An AMF broker identifies the most flexible insurers for new entrepreneurs. <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What is the difference between &#8220;own profession&#8221; and &#8220;any occupation&#8221;?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">&#8221; <strong>Own profession<\/strong> &#8220;: the insurer pays you if you can no longer do <em>your job<\/em>, even if you could do something else. &#8221; <strong>Any occupancy<\/strong> &#8220;: the insurer only pays if you cannot do <em>any work<\/em>. The first is much more protective.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Can I work part-time during disability?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">With the <strong>partial or residual disability<\/strong> option, yes. The insurer pays a percentage of the pension proportional to the loss of income. Very useful for gradual returns to work.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Why use an independent broker?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Disability insurance is one of the most complex products: definitions, occupational classes, deadlines, exclusions, bonus options. An <strong>independent AMF broker<\/strong> compares contracts beyond the price to find the best real protection for your trade. Free service paid for by the insurer.  <\/div>\n  <\/details>\n<\/div>\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\"@type\":\"Question\",\"name\":\"Qui devrait souscrire une assurance salaire ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Travailleurs autonomes, propri\u00e9taires d'entreprise, salari\u00e9s sans r\u00e9gime d'invalidit\u00e9 ou avec r\u00e9gime partiel. Aussi les professionnels dont les revenus d\u00e9passent les plafonds collectifs.\"}},\n    {\"@type\":\"Question\",\"name\":\"Quel est le d\u00e9lai de carence recommand\u00e9 ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"90 jours est un bon compromis si vous avez un fonds d'urgence de 3 mois. 120 jours pour prime minimale. 30-60 jours si aucune \u00e9pargne.\"}},\n    {\"@type\":\"Question\",\"name\":\"La CNESST et l'assurance emploi suffisent-elles ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Non. La CNESST couvre uniquement les accidents de travail. L'AE maladie est limit\u00e9e \u00e0 15 semaines \u00e0 55 % plafonn\u00e9. Une invalidit\u00e9 de longue dur\u00e9e exige une protection priv\u00e9e.\"}},\n    {\"@type\":\"Question\",\"name\":\"La prestation est-elle imposable ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Pour une police individuelle pay\u00e9e par vous-m\u00eame, la prestation est non imposable. C'est pourquoi elle est plafonn\u00e9e \u00e0 85 % du revenu net.\"}},\n    {\"@type\":\"Question\",\"name\":\"Puis-je souscrire si je suis travailleur autonome depuis peu ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, mais certains assureurs exigent 2-3 ans d'exp\u00e9rience ou une preuve de revenus stables.\"}},\n    {\"@type\":\"Question\",\"name\":\"Quelle est la diff\u00e9rence entre propre profession et toute occupation ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\u00ab Propre profession \u00bb paye si vous ne pouvez plus faire votre m\u00e9tier sp\u00e9cifique. \u00ab Toute occupation \u00bb paye seulement si aucun travail n'est possible. La premi\u00e8re est beaucoup plus protectrice.\"}},\n    {\"@type\":\"Question\",\"name\":\"Puis-je travailler \u00e0 temps partiel pendant l'invalidit\u00e9 ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Avec l'option invalidit\u00e9 partielle ou r\u00e9siduelle, oui. L'assureur verse un pourcentage proportionnel \u00e0 la perte de revenus.\"}},\n    {\"@type\":\"Question\",\"name\":\"Pourquoi passer par un courtier ind\u00e9pendant ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"L'assurance invalidit\u00e9 est complexe (d\u00e9finitions, classes, d\u00e9lais, exclusions). Un courtier AMF compare les contrats au-del\u00e0 du prix. Service gratuit pay\u00e9 par l'assureur.\"}}\n  ]\n}\n<\/script>\n\n<div style=\"background:#f0fdfa;border:1px solid #10c4c7;border-radius:12px;padding:28px;margin:32px 0;\">\n  <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 16px;\">Why trust Assur360?<\/h3>\n  <div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:12px;\">\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\">Partner platform of <strong>AMF-certified<\/strong> firms<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\">Partner firms <strong>that are members of the Chambre de l&#8217;assurance<\/strong><\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\">More than <strong>100,000 submissions<\/strong><\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>13 partner firms<\/strong><\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>Independent<\/strong> brokers<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>100% free<\/strong> service<\/span><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">SOUMISSION GRATUITE<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Prot\u00e9gez vos revenus avant qu&#8217;il soit trop tard<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Jusqu&#8217;\u00e0 85 % du salaire remplac\u00e9, non imposable. Courtiers AMF certifi\u00e9s.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-vie\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin-right:12px;\">Obtenir ma soumission<\/a>\n  <a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #ffffff;\">1-866-357-4451<\/a>\n<\/div>\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"BreadcrumbList\",\n  \"itemListElement\": [\n    {\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\/\/www.assur360.ca\/\"},\n    {\"@type\":\"ListItem\",\"position\":2,\"name\":\"Produits d'assurance\",\"item\":\"https:\/\/www.assur360.ca\/produit-assurance\/\"},\n    {\"@type\":\"ListItem\",\"position\":3,\"name\":\"Assurance salaire\",\"item\":\"https:\/\/www.assur360.ca\/assurance-salaire\/\"}\n  ]\n}\n<\/script>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Related-pages-%E2%80%94-Assur360-Financial-Services-Cluster\"><\/span>Related pages \u2014 Assur360 Financial Services Cluster<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin:32px 0;\">\n  <a href=\"https:\/\/www.assur360.ca\/assurance-vie\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:20px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:15px;margin:0 0 6px;\">Assurance vie<\/h3><p style=\"color:#64748b;font-size:13px;margin:0;\">Comparez temporaire, permanente, universelle au Qu\u00e9bec.<\/p><\/a>\n  <a href=\"https:\/\/www.assur360.ca\/assurance-maladie-grave\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:20px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:15px;margin:0 0 6px;\">Maladie grave<\/h3><p style=\"color:#64748b;font-size:13px;margin:0;\">Protection 24 maladies graves d\u00e8s 22 $\/mois.<\/p><\/a>\n  <a href=\"https:\/\/www.assur360.ca\/assurance-invalidite\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:20px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:15px;margin:0 0 6px;\">Invalidit\u00e9<\/h3><p style=\"color:#64748b;font-size:13px;margin:0;\">Remplacez 60-85 % de votre revenu en cas d&#8217;arr\u00eat.<\/p><\/a>\n  <a href=\"https:\/\/www.assur360.ca\/assurance-salaire\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:20px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:15px;margin:0 0 6px;\">Salaire (invalidit\u00e9)<\/h3><p style=\"color:#64748b;font-size:13px;margin:0;\">Id\u00e9ale pour travailleurs autonomes qu\u00e9b\u00e9cois.<\/p><\/a>\n  <a href=\"https:\/\/www.assur360.ca\/assurance-hypothecaire\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:20px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:15px;margin:0 0 6px;\">Hypoth\u00e9caire<\/h3><p style=\"color:#64748b;font-size:13px;margin:0;\">Banque vs assurance vie personnelle \u2014 comparatif.<\/p><\/a>\n  <a href=\"https:\/\/www.assur360.ca\/assurance-voyage\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:20px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:15px;margin:0 0 6px;\">Voyage<\/h3><p style=\"color:#64748b;font-size:13px;margin:0;\">M\u00e9dical \u00e0 l&#8217;\u00e9tranger, annulation, bagages.<\/p><\/a>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Disability Salary Insurance: Protect Your Income Quebec 2026 Your salary is the foundation of your financial security. An accident, illness or prolonged [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":46319,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"open","template":"","meta":{"_seopress_robots_primary_cat":"","_seopress_titles_title":"Quebec Salary Insurance 2026 \u2014 Protect Your Income | Assur360","_seopress_titles_desc":"Disability disability insurance in Quebec: essential for self-employed workers. Compare the best prices via AMF brokers in 3 minutes. 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