{"id":44845,"date":"2026-04-05T21:11:35","date_gmt":"2026-04-06T01:11:35","guid":{"rendered":"https:\/\/www.assur360.ca\/disability-insurance-in-quebec\/"},"modified":"2026-06-26T01:06:07","modified_gmt":"2026-06-26T05:06:07","slug":"disability-insurance-in-quebec","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/disability-insurance-in-quebec\/","title":{"rendered":"Disability Insurance in Quebec"},"content":{"rendered":"&#8220;`html\n\n<style>#ez-toc-container,.ez-toc-v2_0_50{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-Insurance-in-Quebec\"><\/span>Disability Insurance in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h1>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Disability-Insurance-in-Quebec-%E2%80%94-Protect-Your-Income-in-2026\"><\/span>Disability Insurance in Quebec \u2014 Protect Your Income in 2026<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">In Canada, <strong>1 in 3 people will be disabled before the age of 65<\/strong>, according to insurers&#8217; actuarial data. Yet, the vast majority of Quebecers do not have adequate income protection in the event of an accident or serious illness. Disability insurance is the solution designed to maintain your standard of living when you can no longer work. Assur360 connects you with <strong>certified health insurance broker<\/strong> partners who compare the best coverage for your profile, profession and budget \u2014 no cost, no obligation.   <\/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\/homme-quebec-assurance-invalidite-revenu.jpg\" alt=\"Quebec worker studying disability insurance to protect income\" class=\"wp-image-66884\" 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;\">Disability insurance replaces 60-85% of your income if you can no longer work.<\/figcaption><\/figure>\n\n<div style=\"display:flex;justify-content:center;gap:14px;flex-wrap:wrap;margin:24px 0 8px;\">\n<a href=\"https:\/\/www.assur360.ca\/soumission-assurance-salaire-invalidite-en-ligne\/\" style=\"background:#10c4c7;color:#ffffff;padding:14px 32px;border-radius:30px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;\">Get my quote<\/a>\n<a href=\"tel:18663574451\" style=\"background:transparent;color:#0d1f2d;padding:12px 26px;border-radius:30px;font-weight:700;text-decoration:none;font-size:15px;border:2px solid #0d1f2d;display:inline-flex;align-items:center;gap:8px;\">\ud83d\udcde 1-866-357-4451<\/a>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:20px;margin:40px 0;text-align:center;\">\n  <div style=\"background:#ffffff;padding:24px 16px;border-radius:10px;border:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:2rem;font-weight:800;\">9+<\/div>\n    <div style=\"color:#64748b;font-size:0.9rem;margin-top:4px;\">Insurers Compared<\/div>\n  <\/div>\n  <div style=\"background:#ffffff;padding:24px 16px;border-radius:10px;border:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:2rem;font-weight:800;\">AMF<\/div>\n    <div style=\"color:#64748b;font-size:0.9rem;margin-top:4px;\">Certified Brokers<\/div>\n  <\/div>\n  <div style=\"background:#ffffff;padding:24px 16px;border-radius:10px;border:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:2rem;font-weight:800;\">3 min<\/div>\n    <div style=\"color:#64748b;font-size:0.9rem;margin-top:4px;\">To Compare<\/div>\n  <\/div>\n  <div style=\"background:#ffffff;padding:24px 16px;border-radius:10px;border:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:2rem;font-weight:800;\">100K+<\/div>\n    <div style=\"color:#64748b;font-size:0.9rem;margin-top:4px;\">Submissions processed<\/div>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What-is-disability-insurance\"><\/span>What is disability insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Disability insurance is a life and health insurance product that replaces a portion of your income when you are unable to work due to illness, accident or injury. It pays you regular monthly benefits until you recover or until you reach retirement age, depending on the terms of your contract. <\/p>\n\n<p class=\"wp-block-paragraph\">It is essential to distinguish between private disability insurance and the <a href=\"https:\/\/www.cnesst.gouv.qc.ca\" target=\"_blank\" rel=\"noopener noreferrer\">CNESST<\/a>, which only covers <strong>accidents that occur at work<\/strong>. Employment Insurance (EI) and the Quebec Parental Insurance Plan (QPIP) also do not cover long-term disability. Only private disability insurance protects you against all causes of disability \u2014 including critical illness, motor vehicle accidents, or mental health issues \u2014 no matter where or when they occur.  <\/p>\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-eee0efca wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n\n<div class=\"wp-block-group has-border-color has-background is-layout-constrained wp-container-core-group-is-layout-318022ab wp-block-group-is-layout-constrained\" style=\"border-color:#e2e8f0;border-width:1px;border-radius:12px;background-color:#ffffff;padding-top:24px;padding-right:24px;padding-bottom:24px;padding-left:24px\">\n\n<p class=\"has-text-align-center has-text-color wp-block-paragraph\" style=\"color:#10c4c7;font-size:36px;font-style:normal;font-weight:800\">1 of 3<\/p>\n\n\n<p class=\"has-text-align-center has-text-color wp-block-paragraph\" style=\"color:#0d1f2d;font-size:15px;font-style:normal;font-weight:700\">Canadians with disabilities<\/p>\n\n\n<p class=\"has-text-align-center has-text-color wp-block-paragraph\" style=\"color:#64748b;font-size:13px\">Before age 65 (source: actuarial statistics)<\/p>\n\n<\/div>\n\n<\/div>\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n&#8220;`\n<div class=\"wp-block-group has-border-color has-background is-layout-constrained wp-container-core-group-is-layout-318022ab wp-block-group-is-layout-constrained\" style=\"border-color:#e2e8f0;border-width:1px;border-radius:12px;background-color:#ffffff;padding-top:24px;padding-right:24px;padding-bottom:24px;padding-left:24px\">\n\n<p class=\"has-text-align-center has-text-color wp-block-paragraph\" style=\"color:#10c4c7;font-size:36px;font-style:normal;font-weight:800\">60\u201385 %<\/p>\n\n\n<p class=\"has-text-align-center has-text-color wp-block-paragraph\" style=\"color:#0d1f2d;font-size:15px;font-style:normal;font-weight:700\">Replaced revenue<\/p>\n\n\n<p class=\"has-text-align-center has-text-color wp-block-paragraph\" style=\"color:#64748b;font-size:13px\">With a good disability policy adapted to your profession<\/p>\n\n<\/div>\n\n<\/div>\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n\n<div class=\"wp-block-group has-border-color has-background is-layout-constrained wp-container-core-group-is-layout-318022ab wp-block-group-is-layout-constrained\" style=\"border-color:#e2e8f0;border-width:1px;border-radius:12px;background-color:#ffffff;padding-top:24px;padding-right:24px;padding-bottom:24px;padding-left:24px\">\n\n<p class=\"has-text-align-center has-text-color wp-block-paragraph\" style=\"color:#10c4c7;font-size:36px;font-style:normal;font-weight:800\">100 %<\/p>\n\n\n<p class=\"has-text-align-center has-text-color wp-block-paragraph\" style=\"color:#0d1f2d;font-size:15px;font-style:normal;font-weight:700\">Free service<\/p>\n\n\n<p class=\"has-text-align-center has-text-color wp-block-paragraph\" style=\"color:#64748b;font-size:13px\">Our broker partners compare at no cost to you<\/p>\n\n<\/div>\n\n<\/div>\n\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Types-of-disability-insurance-in-Quebec\"><\/span>Types of disability insurance in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">There are several types of disability coverage in Quebec. Understanding their differences will allow you to choose the protection best suited to your financial and professional situation. <\/p>\n\n<h3 class=\"wp-block-heading\">Short-term disability<\/h3>\n\n<p class=\"wp-block-paragraph\">Short-term disability insurance comes into effect quickly after the triggering event, usually after a waiting period of <strong>0 to 14 days<\/strong>. It pays benefits for a maximum of 2 years. Benefits are usually between <strong>60 and 80% of gross salary<\/strong>. It is particularly useful for covering the waiting period before long-term coverage kicks in, or for workers with limited emergency savings.   <\/p>\n\n<h3 class=\"wp-block-heading\">Long-term disability<\/h3>\n\n<p class=\"wp-block-paragraph\">Long-term disability insurance takes over when the short-term insurance ends or directly after the chosen waiting period (usually <strong>90 to 120 days<\/strong>). It can pay benefits <strong>up to age 65<\/strong> in the event of permanent disability. Benefits represent between <strong>60 and 70% of the gross salary<\/strong>. It is the most comprehensive and important protection to secure your retirement in the event of severe or prolonged disability.   <\/p>\n\n<h3 class=\"wp-block-heading\">Group insurance (group plan)<\/h3>\n\n<p class=\"wp-block-paragraph\">Offered by many employers as part of their benefits, group insurance is practical but often insufficient. It usually covers <strong>60 to 67% of the salary<\/strong> but has ceilings that may be too low for high incomes. Plus, that coverage is lost if you change jobs, retire early, or start your own business. A partner broker can help you supplement your group coverage with a portable individual policy.   <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Own-occupation-vs-any-occupation-%E2%80%94-the-crucial-difference\"><\/span>Own occupation vs. any occupation \u2014 the crucial difference<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div class=\"wp-block-columns are-vertically-aligned-center is-layout-flex wp-container-core-columns-is-layout-52b7c8f9 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:42%\">\n\n<figure class=\"wp-block-image size-full\"><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-invalidite.jpg\" alt=\"Self-employed person \u2014 income protection disability insurance Quebec\" class=\"wp-image-45080\" width=\"400\" height=\"400\" style=\"border-radius:12px;\" loading=\"lazy\"\/><\/figure>\n\n<\/div>\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:58%\">\n\n<h3 class=\"wp-block-heading\">Definition: own occupation<\/h3>\n\n\n<p class=\"wp-block-paragraph\">With the definition of own <strong>occupation<\/strong>, you are considered disabled if you are unable to perform your own usual occupation, even though you could theoretically perform another job. This is the most protective definition. For example, a surgeon who loses the use of a hand would receive benefits even if he can still teach medicine.  <\/p>\n\n\n<h3 class=\"wp-block-heading\">Definition: any occupation<\/h3>\n\n\n<p class=\"wp-block-paragraph\">With the definition of <strong>any occupation<\/strong>, you are only considered disabled if you are unable to perform <em>any<\/em> job that corresponds to your education and experience. This definition is more restrictive and can lead to denials of benefits. It is generally less expensive, but offers much less protection for specialized professionals.  <\/p>\n\n<p class=\"wp-block-paragraph\">For professionals, specialized workers and high incomes, the definition <strong>of one&#8217;s own occupation is strongly recommended<\/strong>. Consult the <a href=\"https:\/\/www.chambresf.com\" target=\"_blank\" rel=\"noopener noreferrer\">Chamber of Insurance<\/a> to learn more about professional standards in insurance of persons in Quebec. <\/p>\n\n<\/div>\n\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Comparison-Table-%E2%80%94-CNESST-vs-Employment-Insurance-vs-Private-Insurance\"><\/span>Comparison Table \u2014 CNESST vs Employment Insurance vs Private Insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Several public programs exist in Quebec, but none replace true private disability insurance for complete protection. Here&#8217;s a clear comparison: <\/p>\n\n<table class=\"assur360-table\" style=\"width:100%;border-collapse:collapse;font-size:14px;margin:24px 0;\">\n<thead><tr style=\"background:#0d1f2d;color:white;\">\n<th style=\"padding:12px;text-align:left;border:1px solid #1e3a4f;\">Criterion<\/th>\n<th style=\"padding:12px;text-align:left;border:1px solid #1e3a4f;\">CNESST<\/th>\n<th style=\"padding:12px;text-align:left;border:1px solid #1e3a4f;\">Employment<\/th>\n Insurance<th style=\"padding:12px;text-align:left;border:1px solid #1e3a4f;\">Private insurance<\/th>\n<\/tr><\/thead>\n<tbody>\n<tr style=\"border-bottom:1px solid #e2e8f0;\">\n<td style=\"padding:10px;border:1px solid #e2e8f0;font-weight:600;\">Coverage<\/td>\n<td style=\"padding:10px;border:1px solid #e2e8f0;\">Workplace Injuries Only<\/td>\n<td style=\"padding:10px;border:1px solid #e2e8f0;\">Layoff, short-term<\/td>\n illness<td style=\"padding:10px;border:1px solid #e2e8f0;\">All causes (accident, illness, mental health)<\/td>\n<\/tr>\n<tr style=\"background:#f8fafc;border-bottom:1px solid #e2e8f0;\">\n<td style=\"padding:10px;border:1px solid #e2e8f0;font-weight:600;\">Maximum<\/td>\n duration<td style=\"padding:10px;border:1px solid #e2e8f0;\">Long-term (depending on disability)<\/td>\n<td style=\"padding:10px;border:1px solid #e2e8f0;\">15 to 45 weeks<\/td>\n<td style=\"padding:10px;border:1px solid #e2e8f0;\">Up to age 65<\/td>\n<\/tr>\n<tr style=\"border-bottom:1px solid #e2e8f0;\">\n<td style=\"padding:10px;border:1px solid #e2e8f0;font-weight:600;\">Amount<\/td>\n<td style=\"padding:10px;border:1px solid #e2e8f0;\">90% of net<\/td>\n income<td style=\"padding:10px;border:1px solid #e2e8f0;\">55% of salary (max ~$668\/week)<\/td>\n<td style=\"padding:10px;border:1px solid #e2e8f0;\">60 to 85% of income<\/td>\n<\/tr>\n<tr style=\"background:#f8fafc;\">\n<td style=\"padding:10px;border:1px solid #e2e8f0;font-weight:600;\">Self-employed<\/td>\n<td style=\"padding:10px;border:1px solid #e2e8f0;\">Not Covered<\/td>\n<td style=\"padding:10px;border:1px solid #e2e8f0;\">Not Covered<\/td>\n<td style=\"padding:10px;border:1px solid #e2e8f0;\">Yes \u2014 specially designed for them<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-much-does-disability-insurance-cost-in-Quebec\"><\/span>How much does disability insurance cost in Quebec?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">The cost of disability insurance varies depending on your profession, age, state of health, the waiting period chosen and the desired duration of benefits. As a guideline, here are approximate price ranges for insurable earnings of <strong>$70,000 per year<\/strong> and long-term coverage up to age 65: <\/p>\n\n<table class=\"assur360-table\" style=\"width:100%;border-collapse:collapse;font-size:14px;margin:24px 0;\">\n<thead><tr style=\"background:#0d1f2d;color:white;\">\n<th style=\"padding:12px;text-align:left;border:1px solid #1e3a4f;\">Profession<\/th>\n<th style=\"padding:12px;text-align:left;border:1px solid #1e3a4f;\">Waiting period 90 days<\/th>\n<th style=\"padding:12px;text-align:left;border:1px solid #1e3a4f;\">Waiting period 120 days<\/th>\n<\/tr><\/thead>\n<tbody>\n<tr style=\"border-bottom:1px solid #e2e8f0;\">\n<td style=\"padding:10px;border:1px solid #e2e8f0;font-weight:600;\">Office \/ Administration<\/td>\n<td style=\"padding:10px;border:1px solid #e2e8f0;\">~$85\/month<\/td>\n<td style=\"padding:10px;border:1px solid #e2e8f0;\">~$65\/month<\/td>\n<\/tr>\n<tr style=\"background:#f8fafc;border-bottom:1px solid #e2e8f0;\">\n<td style=\"padding:10px;border:1px solid #e2e8f0;font-weight:600;\">Technician \/ Skilled<\/td>\n Trades<td style=\"padding:10px;border:1px solid #e2e8f0;\">~$150\/month<\/td>\n<td style=\"padding:10px;border:1px solid #e2e8f0;\">~$115\/month<\/td>\n<\/tr>\n<tr style=\"border-bottom:1px solid #e2e8f0;\">\n<td style=\"padding:10px;border:1px solid #e2e8f0;font-weight:600;\">Professional (Engineer, Accountant)<\/td>\n<td style=\"padding:10px;border:1px solid #e2e8f0;\">~$120\/month<\/td>\n<td style=\"padding:10px;border:1px solid #e2e8f0;\">~$90\/month<\/td>\n<\/tr>\n<tr style=\"background:#f8fafc;\">\n<td style=\"padding:10px;border:1px solid #e2e8f0;font-weight:600;\">Self-employed<\/td>\n<td style=\"padding:10px;border:1px solid #e2e8f0;\">~$140\/month<\/td>\n<td style=\"padding:10px;border:1px solid #e2e8f0;\">~$105\/month<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<p class=\"wp-block-paragraph\"><em>* These rates are indicative only and vary according to your age, state of health and insurer. Actual prices may differ. Request a personalized quote to get an accurate rate.  <\/em><\/p>\n\n<p class=\"wp-block-paragraph\">Our certified broker partners compare offers from several recognized insurers to present you with the most advantageous solution. By going through a broker, you access a wider market than by contacting a single insurer directly \u2014 and you save time and money. <\/p>\n\n<div class=\"wp-block-group has-border-color is-layout-constrained wp-container-core-group-is-layout-67483c6b wp-block-group-is-layout-constrained\" style=\"border-color:#10c4c7;border-width:2px;border-radius:16px;background-color:#f0fdfa;padding-top:32px;padding-right:32px;padding-bottom:32px;padding-left:32px\">\n\n<p class=\"has-text-align-center has-text-color wp-block-paragraph\" style=\"color:#0d1f2d;font-size:22px;font-style:normal;font-weight:700\">Your income is your most valuable asset.<\/p>\n\n\n<p class=\"has-text-align-center has-text-color wp-block-paragraph\" style=\"color:#334155\">Our certified life and health insurance partner brokers compare the best disability coverage for your personal situation. 100% free service.<\/p>\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-3e41869c wp-block-buttons-is-layout-flex\">\n\n<div class=\"wp-block-button has-custom-font-size\" style=\"font-size:16px;font-style:normal;font-weight:700\"><a class=\"wp-block-button__link has-white-color has-text-color wp-element-button\" href=\"https:\/\/www.assur360.ca\/en\/online-disability-disability-insurance-quote-protect-your-income\/\" style=\"border-radius:30px;background-color:#10c4c7;padding-top:14px;padding-right:40px;padding-bottom:14px;padding-left:40px\">Compare my disability coverage<\/a><\/div>\n\n<\/div>\n\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Who-is-disability-insurance-for\"><\/span>Who is disability insurance for?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Disability insurance is relevant for almost everyone with a working income. Here are the four profiles that particularly need it: <\/p>\n\n<h3 class=\"wp-block-heading\">Self-employed workers<\/h3>\n\n<p class=\"wp-block-paragraph\">Self-employed workers are the most vulnerable in the event of disability: there is no <strong>CNESST<\/strong> to cover them for non-work accidents, and they generally do not contribute to employment insurance. Their income depends entirely on their ability to work. Without disability insurance, a critical illness or accident can mean total loss of income and even bankruptcy. An individual policy tailored to their profession is essential.   <\/p>\n\n<h3 class=\"wp-block-heading\">Employees with insufficient group coverage<\/h3>\n\n<p class=\"wp-block-paragraph\">Having group insurance through your employer is a good start, but this coverage is often insufficient. The insurable earnings ceilings may be too low, the definition of disability may be restrictive (any occupation), and coverage disappears if you lose your job. A supplementary individual policy guarantees continuous protection, independent of your employer.  <\/p>\n\n<h3 class=\"wp-block-heading\">Professionals (doctors, lawyers, engineers)<\/h3>\n\n<p class=\"wp-block-paragraph\">Professionals have invested years of training to develop specific skills with high added value. A doctor, lawyer or engineer who can no longer practice his or her own profession suffers a disproportionate loss of income. The definition of <strong>their own occupation<\/strong> is particularly important for this profile, as it protects against being unable to perform their specific profession, even if they could theoretically do other less remunerative work.  <\/p>\n\n<h3 class=\"wp-block-heading\">Homeowners with a mortgage<\/h3>\n\n<p class=\"wp-block-paragraph\">If you have a mortgage, your monthly payments do not stop because you are disabled. Disability insurance allows you to maintain your mortgage payments and avoid foreclosure on your property. Also, check out our guide on <a href=\"https:\/\/www.assur360.ca\/assurance-vie\/\">mortgage life insurance<\/a> to complete your property protection.<\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What-disability-insurance-covers-and-doesnt-cover\"><\/span>What disability insurance covers (and doesn&#8217;t cover)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">The exact coverage varies depending on the insurer and the contract purchased. Here is a general overview of typical situations: <\/p>\n\n<table class=\"assur360-table\" style=\"width:100%;border-collapse:collapse;font-size:14px;margin:24px 0;\">\n<thead><tr style=\"background:#0d1f2d;color:white;\">\n<th style=\"padding:12px;text-align:left;border:1px solid #1e3a4f;\">Location<\/th>\n<th style=\"padding:12px;text-align:left;border:1px solid #1e3a4f;\">Covered?<\/th>\n<\/tr><\/thead>\n<tbody>\n<tr style=\"border-bottom:1px solid #e2e8f0;\">\n<td style=\"padding:10px;border:1px solid #e2e8f0;\">Accident outside of work (sport, car, etc.)<\/td>\n<td style=\"padding:10px;border:1px solid #e2e8f0;color:#16a34a;font-weight:600;\">\u2713 Yes<\/td>\n<\/tr>\n<tr style=\"background:#f8fafc;border-bottom:1px solid #e2e8f0;\">\n<td style=\"padding:10px;border:1px solid #e2e8f0;\">Serious illness (cancer, stroke, heart attack)<\/td>\n<td style=\"padding:10px;border:1px solid #e2e8f0;color:#16a34a;font-weight:600;\">\u2713 Yes<\/td>\n<\/tr>\n<tr style=\"border-bottom:1px solid #e2e8f0;\">\n<td style=\"padding:10px;border:1px solid #e2e8f0;\">Mental health, burnout, depression<\/td>\n<td style=\"padding:10px;border:1px solid #e2e8f0;color:#d97706;font-weight:600;\">~ According to font<\/td>\n<\/tr>\n<tr style=\"background:#f8fafc;border-bottom:1px solid #e2e8f0;\">\n<td style=\"padding:10px;border:1px solid #e2e8f0;\">Workplace Accident<\/td>\n<td style=\"padding:10px;border:1px solid #e2e8f0;color:#64748b;font-weight:600;\">CNESST \u2014 not private insurance<\/td>\n<\/tr>\n<tr style=\"border-bottom:1px solid #e2e8f0;\">\n<td style=\"padding:10px;border:1px solid #e2e8f0;\">Pregnancy (without complications)<\/td>\n<td style=\"padding:10px;border:1px solid #e2e8f0;color:#dc2626;font-weight:600;\">\u2717 No<\/td>\n<\/tr>\n<tr style=\"background:#f8fafc;border-bottom:1px solid #e2e8f0;\">\n<td style=\"padding:10px;border:1px solid #e2e8f0;\">Addictions (alcohol, drugs)<\/td>\n<td style=\"padding:10px;border:1px solid #e2e8f0;color:#d97706;font-weight:600;\">~ According to font<\/td>\n<\/tr>\n<tr style=\"border-bottom:1px solid #e2e8f0;\">\n<td style=\"padding:10px;border:1px solid #e2e8f0;\">Pre-existing condition<\/td>\n<td style=\"padding:10px;border:1px solid #e2e8f0;color:#dc2626;font-weight:600;\">\u2717 Generally excluded<\/td>\n<\/tr>\n<tr style=\"background:#f8fafc;\">\n<td style=\"padding:10px;border:1px solid #e2e8f0;\">Partial disability (gradual return)<\/td>\n<td style=\"padding:10px;border:1px solid #e2e8f0;color:#d97706;font-weight:600;\">~ According to font<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-to-choose-your-disability-insurance-%E2%80%94-5-steps\"><\/span>How to choose your disability insurance? \u2014 5 steps<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Choosing disability insurance should not be taken lightly. Here are the five steps you can take to ensure you get the best coverage for your situation: <\/p>\n\n<ol class=\"wp-block-list\">\n<li><strong>Calculate your income replacement need<\/strong> \u2014 Determine how much you need each month to cover your essential expenses. Aim for between 60% and 70% of your net monthly income. <\/li>\n<li><strong>Choose your waiting period according to your savings<\/strong> \u2014 If you have 3 months of emergency savings, a 90-day waiting period will significantly reduce your premium. If you have 4 months or more, opt for a 120-day period. <\/li>\n<li><strong>Opt for the definition of own occupation if your budget allows it<\/strong> \u2014 especially if you work in a specialized profession. This definition gives you significantly better protection in the long term. <\/li>\n<li><strong>Compare at least 3 different insurers<\/strong> \u2014 Premiums and contract definitions vary greatly from insurer to insurer. An independent partner broker can compare for you in a matter of hours. <\/li>\n<li><strong>Review your coverage every 3 to 5 years<\/strong> \u2014 Your situation changes: salary increase, new mortgage, children, change of profession. Your disability insurance needs to grow with you. <\/li>\n<\/ol>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Tools-and-resources-%E2%80%94-income-protection\"><\/span>Tools and resources \u2014 income protection<span class=\"ez-toc-section-end\"><\/span><\/h2>\n&#8220;`html\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:16px;margin:24px 0;\">\n<a href=\"https:\/\/www.assur360.ca\/simulation\/calculateur-assurance-invalidite\/\" style=\"background:#ffffff;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:10px;padding:20px;text-decoration:none;display:block;transition:transform .2s\">\n<div style=\"font-size:11px;font-weight:700;color:#10c4c7;text-transform:uppercase;letter-spacing:0.5px;margin-bottom:8px\">Interactive Tool<\/div>\n<div style=\"font-size:15px;font-weight:700;color:#0d1f2d;margin-bottom:6px\">Disability Calculator<\/div>\n<div style=\"font-size:13px;color:#64748b;line-height:1.5\">Estimate your income needs in case of disability \u2014 free in 60 seconds.<\/div>\n<\/a>\n<a href=\"https:\/\/www.assur360.ca\/soumission-assurance-salaire-invalidite-en-ligne\/\" style=\"background:#ffffff;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:10px;padding:20px;text-decoration:none;display:block\">\n<div style=\"font-size:11px;font-weight:700;color:#10c4c7;text-transform:uppercase;letter-spacing:0.5px;margin-bottom:8px\">Form<\/div>\n<div style=\"font-size:15px;font-weight:700;color:#0d1f2d;margin-bottom:6px\">Disability Salary Quote<\/div>\n<div style=\"font-size:13px;color:#64748b;line-height:1.5\">Personalized comparison of the best protections in 24 hours.<\/div>\n<\/a>\n<a href=\"https:\/\/www.assur360.ca\/soumission-assurance-maladie-grave-en-ligne\/\" style=\"background:#ffffff;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:10px;padding:20px;text-decoration:none;display:block\">\n<div style=\"font-size:11px;font-weight:700;color:#10c4c7;text-transform:uppercase;letter-spacing:0.5px;margin-bottom:8px\">Supplementary<\/div>\n<div style=\"font-size:15px;font-weight:700;color:#0d1f2d;margin-bottom:6px\">Critical Illness Insurance<\/div>\n<div style=\"font-size:13px;color:#64748b;line-height:1.5\">Lump sum payment in case of cancer, stroke, heart attack \u2014 ideal supplement.<\/div>\n<\/a>\n<a href=\"https:\/\/www.assur360.ca\/assurance-vie\/\" style=\"background:#ffffff;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:10px;padding:20px;text-decoration:none;display:block\">\n<div style=\"font-size:11px;font-weight:700;color:#10c4c7;text-transform:uppercase;letter-spacing:0.5px;margin-bottom:8px\">Family<\/div>\n<div style=\"font-size:15px;font-weight:700;color:#0d1f2d;margin-bottom:6px\">Life Insurance<\/div>\n<div style=\"font-size:13px;color:#64748b;line-height:1.5\">To protect your loved ones beyond income replacement.<\/div>\n<\/a>\n<\/div>\n\n<section style=\"background:#f0fdfa;border:2px solid #10c4c7;border-radius:16px;padding:32px;margin:32px 0;\">\n<h3 style=\"font-size:20px;font-weight:700;color:#0d1f2d;margin:0 0 16px;text-align:center;\">\ud83d\udee1\ufe0f Why trust Assur360?<\/h3>\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:20px;margin-top:20px;\">\n<div style=\"text-align:center;\"><div style=\"font-size:24px;color:#10c4c7;font-weight:800;margin-bottom:4px;\">\u2713 AMF<\/div><div style=\"font-size:13px;color:#475569;line-height:1.5\">All of our partner brokers are accredited by the <strong>Autorit\u00e9 des march\u00e9s financiers (AMF)<\/strong><\/div><\/div>\n<div style=\"text-align:center;\"><div style=\"font-size:24px;color:#10c4c7;font-weight:800;margin-bottom:4px;\">\u2713 Insurance Chamber<\/div><div style=\"font-size:13px;color:#475569;line-height:1.5\">Supervision of the <strong>Chamber of Insurance<\/strong> of Quebec<\/div><\/div>\n<div style=\"text-align:center;\"><div style=\"font-size:24px;color:#10c4c7;font-weight:800;margin-bottom:4px;\">100K+<\/div><div style=\"font-size:13px;color:#475569;line-height:1.5\">Quebecers advised since our beginnings<\/div><\/div>\n<div style=\"text-align:center;\"><div style=\"font-size:24px;color:#10c4c7;font-weight:800;margin-bottom:4px;\">9+<\/div><div style=\"font-size:13px;color:#475569;line-height:1.5\">Insurers compared for you<\/div><\/div>\n<\/div>\n<\/section>\n\n<section style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:28px;margin:32px 0;\">\n<h3 style=\"font-size:18px;font-weight:700;color:#0d1f2d;margin:0 0 12px;\">Service throughout Quebec<\/h3>\n<p style=\"font-size:14px;color:#475569;line-height:1.7;margin:0 0 12px;\">Our broker partners support Quebecers in <strong>Montreal<\/strong>, <strong>Quebec City<\/strong>, <strong>Laval<\/strong>, <strong>Longueuil<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong>, <strong>Gatineau<\/strong>, <strong>L\u00e9vis<\/strong> and in all regions of Quebec. Remote or in-person consultation, depending on your preference. <\/p>\n<\/section>\n\n<div class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-e5c0fe38 wp-block-group-is-layout-constrained\" style=\"border-radius:16px;padding-top:48px;padding-right:32px;padding-bottom:48px;padding-left:32px;background:linear-gradient(135deg, #0d1f2d 0%, #1a3a4a 100%)\">\n\n<p class=\"has-text-align-center has-text-color wp-block-paragraph\" style=\"color:#ffffff;font-size:26px;font-style:normal;font-weight:700\">Protect your income today.<\/p>\n\n\n<p class=\"has-text-align-center has-text-color wp-block-paragraph\" style=\"color:#94a3b8;font-size:16px\">1 in 3 Canadians will be disabled before age 65. Our certified broker partners compare the best protections for you. <\/p>\n\n\n<p class=\"has-text-align-center has-text-color wp-block-paragraph\" style=\"color:#10c4c7;font-size:14px;font-style:normal;font-weight:600\">Save up to 30% by comparing through a broker partner<\/p>\n\n\n<div style=\"display:flex;justify-content:center;gap:14px;flex-wrap:wrap;margin-top:24px;\">\n<a href=\"https:\/\/www.assur360.ca\/en\/online-disability-disability-insurance-quote-protect-your-income\/\" style=\"background:#10c4c7;color:#ffffff;padding:18px 44px;border-radius:30px;font-weight:700;text-decoration:none;font-size:18px;display:inline-block;\">Get My Quote<\/a>\n<a href=\"tel:18663574451\" style=\"background:transparent;color:#ffffff;padding:16px 36px;border-radius:30px;font-weight:700;text-decoration:none;font-size:16px;border:2px solid rgba(255,255,255,0.5);display:inline-flex;align-items:center;gap:8px;\">\ud83d\udcde 1-866-357-4451<\/a>\n<\/div>\n\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-Asked-Questions-%E2%80%94-Disability-Insurance-in-Quebec\"><\/span>Frequently Asked Questions \u2014 Disability Insurance in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>What is the difference between disability insurance and health insurance?<\/summary>\n\n<p class=\"wp-block-paragraph\">Health insurance (drug and extended care insurance) covers your medical expenses: medications, dentist, glasses, physiotherapy, etc. Disability insurance, on the other hand, replaces your income when you are unable to work due to illness or accident. These two types of protection are complementary and meet different needs. Good financial planning generally includes both types of coverage.   <\/p>\n\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Are burnout and mental health disorders covered by disability insurance?<\/summary>\n&#8220;`\n<p class=\"wp-block-paragraph\">Coverage for mental health disorders, including burnout, severe depression and anxiety disorders, varies depending on the insurer and the contract. The vast majority of modern policies include some coverage for psychiatric disorders diagnosed by a physician. However, some policies include drop-out clauses or limited benefit periods for mental disorders. It is essential to read the conditions and exclusions of your contract carefully, and to ask your partner broker directly before subscribing.   <\/p>\n\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Do I need to purchase disability insurance if I already have an emergency fund?<\/summary>\n\n<p class=\"wp-block-paragraph\">An emergency fund covering 3 to 6 months of expenses is great, but insufficient for prolonged disability. If you&#8217;re disabled for 2 years or more \u2014 which happens a lot more often than you might think \u2014 your emergency fund will be depleted in a matter of months. Disability insurance takes over where your savings stop. In practice, your emergency fund allows you to choose a longer waiting period (90 or 120 days), which reduces your premium while maintaining comprehensive protection over the long term.   <\/p>\n\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Are disability insurance premiums tax deductible in Canada?<\/summary>\n\n<p class=\"wp-block-paragraph\">Generally, individual disability insurance premiums paid by an individual are <strong>not tax deductible<\/strong>. However, the benefits received are generally non-taxable. Conversely, if your employer pays your group insurance premiums, the premiums are considered a taxable benefit, but the benefits received are then taxable. For self-employed individuals, some premiums may be deductible in specific circumstances. It is advisable to consult an accountant or financial planner to optimize your tax situation.    <\/p>\n\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>What happens if my disability lasts longer than the expected benefit period?<\/summary>\n\n<p class=\"wp-block-paragraph\">If you have long-term coverage until age 65 and your disability is permanent, benefits continue until age 65. At this age, you normally have access to your RRSPs, TFSAs and the Quebec Pension Plan (QPP). It is therefore crucial to provide long-term coverage until retirement and not just for 2 or 5 years. A broker partner can help you assess the appropriate benefit period based on your assets and retirement planning.   <\/p>\n\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Can I get disability insurance if I have a medical history?<\/summary>\n\n<p class=\"wp-block-paragraph\">Yes, it is often possible to get coverage even with a medical history, but with some nuances. The insurer may accept your claim with a specific exclusion for the pre-existing condition, offer premium coverage, or deny certain types of coverage. Transparency is key when applying: omitting medical information can result in your policy being cancelled and benefits denied. An experienced broker partner knows which insurers are the most flexible for your health profile.   <\/p>\n\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Is my group insurance really enough?<\/summary>\n\n<p class=\"wp-block-paragraph\">For the majority of people, no. Group insurance often has several shortcomings: insurable income ceiling that is too low for high earners, definition of disability &#8220;any occupation&#8221; after 2 years, coverage that disappears if you leave or lose your job, and no portability. A comprehensive assessment by a partner broker can reveal significant shortcomings. In most cases, an individual top-up policy is recommended, especially if you have more than 10 years before retirement or a high income.   <\/p>\n\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Can an Assur360 broker partner really help me choose the best disability insurance?<\/summary>\n\n<p class=\"wp-block-paragraph\">Absolutely. A certified life and health insurance broker partner represents several insurers and can provide you with an objective comparison of the best options available for your situation. Unlike a captive agent who only represents one insurer, a broker partner works for you and not for the insurer. The service is completely free \u2014 brokers are compensated by commission paid by the chosen insurer. By using Assur360, you are connected with a qualified broker partner in your area for a personalized consultation at no cost or obligation.    <\/p>\n\n<\/details>\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What is the difference between disability insurance and health insurance?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Health insurance covers your medical expenses: medications, dentist, glasses, physiotherapy. Disability insurance replaces your income when you are unable to work due to illness or accident. These two protections are complementary and meet different needs.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Are burnout and mental health issues covered by disability insurance?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Coverage for mental health issues varies by insurer and contract. Most modern policies include coverage for psychiatric disorders diagnosed by a physician, but some include exclusion clauses or limited durations. Check the conditions with your insurance broker before subscribing.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Should I get disability insurance if I already have an emergency fund?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"An emergency fund of 3 to 6 months is excellent but insufficient for prolonged disability. Disability insurance takes over where your savings stop. Your emergency fund allows you to choose a longer waiting period (90-120 days), which reduces your premium.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Are disability insurance premiums tax-deductible in Canada?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"In general, individual disability insurance premiums paid by an individual are not tax-deductible. However, benefits received are generally non-taxable. For self-employed individuals, some premiums may be deductible under specific circumstances.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What happens if my disability lasts longer than the benefit period?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"If you have subscribed to long-term coverage until age 65 and your disability is permanent, benefits continue until age 65. At that age, you have access to your RRSP, TFSA, and the Quebec Pension Plan (QPP).\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Can I get disability insurance if I have a medical history?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Yes, it is often possible to obtain coverage with a medical history, but with specific exclusions, increased premiums, or certain limitations. Transparency during the application is essential to avoid later cancellation of the policy.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Is my group insurance really sufficient?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"For the majority of people, no. Group insurance often has too low caps, a restrictive definition of disability after 2 years, and coverage disappears if you leave the job. A complementary individual policy is generally recommended.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Can an Assur360 partner broker really help me choose the best disability insurance?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Absolutely. A certified partner broker represents multiple insurers and can provide you with an objective comparison of the best options based on your situation. The service is completely free \u2014 brokers are compensated by commission paid by the chosen insurer.\"\n      }\n    }\n  ]\n}\n<\/script>\n\n<div style=\"background:#f0fdfa;border:2px solid #10c4c7;border-radius:12px;padding:30px;margin:40px 0;\">\n  <h3 style=\"color:#0d1f2d;font-size:1.15rem;margin:0 0 16px;\">\ud83d\udee1\ufe0f Why trust Assur360?<\/h3>\n  <div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:16px;\">\n    <div style=\"text-align:center;padding:12px;\">\n      <div style=\"color:#10c4c7;font-size:1.5rem;font-weight:800;\">AMF<\/div>\n      <div style=\"color:#334155;font-size:0.85rem;\">Certified brokers<\/div>\n    <\/div>\n    <div style=\"text-align:center;padding:12px;\">\n      <div style=\"color:#10c4c7;font-size:1.5rem;font-weight:800;\">Insurance Chamber<\/div>\n      <div style=\"color:#334155;font-size:0.85rem;\">Insurance Chamber<\/div>\n    <\/div>\n    <div style=\"text-align:center;padding:12px;\">\n      <div style=\"color:#10c4c7;font-size:1.5rem;font-weight:800;\">100K+<\/div>\n      <div style=\"color:#334155;font-size:0.85rem;\">Submissions processed<\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"BreadcrumbList\",\n  \"itemListElement\": [\n    {\n      \"@type\": \"ListItem\",\n      \"position\": 1,\n      \"name\": \"Home\",\n      \"item\": \"https:\/\/www.assur360.ca\/\"\n    },\n    {\n      \"@type\": \"ListItem\",\n      \"position\": 2,\n      \"name\": \"Disability Insurance in Quebec\",\n      \"item\": \"https:\/\/www.assur360.ca\/assurance-invalidite\/\"\n    }\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, whole, 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 Quebec self-employed workers.<\/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>&#8220;`html Disability Insurance in Quebec Disability Insurance in Quebec \u2014 Protect Your Income in 2026 In Canada, 1 in 3 people will [&hellip;]<\/p>\n","protected":false},"author":49,"featured_media":45079,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_titles_title":"Quebec Disability Insurance 2026 \u2014 Free Quote | Assur360","_seopress_titles_desc":"Disability insurance in Quebec: Replace 60-85% of your income if you can no longer work. 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