{"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":"2026-06-26T02:29:16","modified_gmt":"2026-06-26T06:29:16","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\": [\"Salary insurance\", \"Disability insurance\", \"Income protection\", \"Long-term disability insurance\"],\n  \"hasCredential\": \"AMF Certified (Autorit\u00e9 des march\u00e9s financiers)\"\n}\n<\/script>\n\n<p class=\"wp-block-paragraph\" 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 \u2014 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;\">SALARY INSURANCE QUEBEC<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Replace-up-to-85-of-your-income\"><\/span>Replace up to 85% of your income<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Non-taxable monthly pension in case of disability. Starting at $32\/month.<\/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;\">Get my free quote<\/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 class=\"wp-block-paragraph\" 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 class=\"wp-block-paragraph\" 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 Long-term disability<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Pension paid until age 65. Waiting period of 90 or 120 days. Essential to protect your career.<\/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 Short-term disability<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Paid for a few weeks to 2 years. Useful to cover the period before long-term benefits start.<\/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 Payment protection<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Specifically covers your monthly payments (mortgage, car, line of credit). Partial, less expensive solution.<\/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 Business overhead expenses<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">For business owners: pays fixed expenses (rent, salaries, insurance) during your disability. Complement to <a href=\"https:\/\/www.assur360.ca\/assurance-entreprise\/\" style=\"color:#10c4c7;\">business insurance<\/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 class=\"wp-block-paragraph\" 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 class=\"wp-block-paragraph\" style=\"color:#64748b;font-size:13px;font-style:italic;text-align:center;\">*Indicative rates 2026 \u2014 pension $3,000 \/ month, class A. <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-vie\/\">Your exact price in 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;\">ACT BEFORE ILLNESS<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Subscribing after a diagnosis is impossible<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Insurers refuse applications with recent histories. Protect your health.<\/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;\">Compare 9+ insurers<\/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 class=\"wp-block-paragraph\" 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 Life insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Protection for your loved ones in case of death. Supplement to disability salary.<\/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 Critical illness insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Lump sum in case of cancer, stroke, heart attack.<\/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 Mortgage insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Protect your largest investment with an individual policy.<\/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 Business insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">For owners: protect the business and your income as an 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 occupation<\/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\":\"Who should take out salary insurance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Self-employed workers, business owners, employees without a disability plan or with a partial plan. Also professionals whose incomes exceed the collective ceilings.\"}},\n    {\"@type\":\"Question\",\"name\":\"What is the recommended waiting period?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"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.\"}},\n    {\"@type\":\"Question\",\"name\":\"Are the CNESST and employment insurance enough?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"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.\"}},\n    {\"@type\":\"Question\",\"name\":\"Is the benefit taxable?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"For an individual policy paid for by you, the benefit is tax-free. This is why it is capped at 85% of net income.\"}},\n    {\"@type\":\"Question\",\"name\":\"Can I subscribe if I am newly self-employed?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, but some insurers require 2-3 years of experience or proof of stable income.\"}},\n    {\"@type\":\"Question\",\"name\":\"What is the difference between 'own profession' and 'any occupation'?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"'Own profession' pays if you can no longer do your specific job. 'Any occupation' pays only if no work is possible. 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Free service paid for by the insurer.\"}}\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 Chamber of Insurance<\/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;\">FREE QUOTE<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Protect your income before it&#8217;s too late<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Up to 85% of salary replaced, non-taxable. AMF certified brokers.<\/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;\">Get my quote<\/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\":\"Home\",\"item\":\"https:\/\/www.assur360.ca\/\"},\n    {\"@type\":\"ListItem\",\"position\":2,\"name\":\"Insurance Products\",\"item\":\"https:\/\/www.assur360.ca\/produit-assurance\/\"},\n    {\"@type\":\"ListItem\",\"position\":3,\"name\":\"Salary Insurance\",\"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;\">Life Insurance<\/h3><p style=\"color:#64748b;font-size:13px;margin:0;\">Compare term, permanent, universal in Quebec.<\/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;\">Critical Illness<\/h3><p style=\"color:#64748b;font-size:13px;margin:0;\">Coverage for 24 critical illnesses starting at $22\/month.<\/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;\">Disability<\/h3><p style=\"color:#64748b;font-size:13px;margin:0;\">Replace 60-85% of your income in case of stoppage.<\/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;\">Salary (Disability)<\/h3><p style=\"color:#64748b;font-size:13px;margin:0;\">Ideal for self-employed Quebecers.<\/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;\">Mortgage<\/h3><p style=\"color:#64748b;font-size:13px;margin:0;\">Bank vs personal life insurance \u2014 comparison.<\/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;\">Travel<\/h3><p style=\"color:#64748b;font-size:13px;margin:0;\">Medical abroad, cancellation, luggage.<\/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_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. ","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"Salary insurance","_seopress_social_fb_desc":"Compare the best insurance offers in Quebec. AMF certified broker.  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