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Compare & Buy Canada’s Best Disability Insurance Coverage

Disability Insurance = Paycheck Insurance

Your top priority should be your health – not worrying about debt collectors. If you end up with a disability, our Disability Insurance coverage options will cover your paycheck while you focus on getting better.

Compare disability insurance quotes online in minutes from Insurance Uncle and get the coverage you need.

Three Key Protections of Disability Insurance

Our disability insurance plans offer a range of options to choose from, including the Family Compassionate Care Rider.

Canada Pension Plan (CPP) and Quebec Pension Plan (QPP) disability benefits are limited and may be more restrictive.

Most employer-sponsored plans end if you leave your job. A disability insurance plan from RBC Insurance can go with you.

Types Of Disability Insurance Coverages

Whether your disability is short term or long term, our advisors at Insurance Uncle will help you structure a policy that covers all bases. Here are just some of the different types of coverages available:

Total Disability


Partial Disability


Mental Health Disability


Presumptive Disability


Pregnancy Coverage


And More…

How much does it cost?

Premiums will depend on how much coverage you need, as well as other factors like:

Your job Your age Your sex Your smoking status Your health The monthly benifit amount you choose
There’s a wide variety of solutions to choose from if you want to protect your income – even if you have a high-risk job or work part time or from home.

Can I make changes to my policy after getting it?

Don’t worry, it’s quite common to amend a disability insurance policy over the course of your life – since your coverage amount is tied to your job and salary.

In other cases, you may want to adjust your coverage amount as your needs change. For example, if your salary goes up, your expenses probably will, too—and you’ll want a higher insurance amount to make sure you’d still be able to cover them.

If you increase your coverage, you may need to provide proof of good health. However, you can avoid doing so if you include a future increase option when you purchase your policy.

How can I decide which disability plan is right
for me?

Your representative will thoroughly analyze your needs in order to determine the maximum amount of coverage you could be entitled to. You’ll also receive the best solution specifically for your situation.

You can choose the benefit period you need: anywhere from a few years to a period that will take you through to retirement.


How can disability insurance help my recovery?
Disability insurance can help you in your recovery from an illness or injury in the fact that you can focus on getting better, rather than worrying about your loss of income. If you aren’t well enough to go back to work, disability insurance will help make up for that significant loss of money for you and your family.
Should You Opt For Disability Insurance?
Most Canadians agree that life insurance is necessary, but they might not understand why they should opt for disability insurance. The harsh reality is that when you are disabled because of an injury, your bills don’t stop while your income does.

Getting disability insurance guarantees that you and your family won’t face financial hardships if you can’t work because of a disability.

Who Provides Disability Insurance?

You may receive disability benefits from multiple sources, but these benefits are usually coordinated to ensure you do not receive benefits that are greater than your regular income.

You can get disability insurance from different sources, such as:

  • Government plans – You may be eligible for benefits offered by the Canada Pension Plan or the Quebec Pension Plan.
  • Special purpose plans – You may be eligible for benefits offered by a variety of plans, such as creditor’s insurance (mortgage or credit card protection).
  • Group insurance plans – You may be eligible for benefits offered through an employer, union or association insurance plan.
  • Individual insurance plans – You may sign up for an individual insurance plan and be eligible for benefits as long as you pay your monthly premium.
What’s covered by disability insurance?

Your Canadian disability insurance plan will cover a portion of your income lost in the chance that you are unable to work. The amount of coverage you get depends on your plan, provider, and monthly premium.

Does Canada’s Public Health Care Plan Cover Disability?

Canada’s public healthcare plan only covers loss of income due to disability under certain conditions.

For instance, you may be eligible for “Employment Insurance” under the plan, but that only covers 15 weeks of work lost due to illness or injury. There are additional programs available for veterans and children, but restrictions apply.

You need a disability insurance plan that covers you no matter what, for the length of time that you need. You can’t afford to put yourself or your family at risk of dwindling income or savings.

Insurdinary compiled these provincial plans to guide each Canadian like you about your respective provincial health care plan and the services / benefits that are covered and not covered by the plan.

How do I qualify for disability insurance?

To apply for disability insurance, sign up to get quotes sent straight to your inbox. Then, choose the plan that sounds best to you and follow the application process set by your chosen provider. Qualifications may vary.

How much does disability insurance cost?

The cost of disability insurance varies based on your plan. If you need full coverage, your monthly premium may be higher than partial coverage. Discuss your options with your insurance provider to find the plan and rate that works best for you.

How soon will I get my disability insurance quotes?
When you request online health insurance quotes from Insurdinary, you will receive quotes from top providers in as little as a few minutes.

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