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Disability Insurance
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What is Disability Insurance?
Disability insurance is designed to replace a portion of your income if you become disable and are not able to earn an income. There are number of cases that can cause disability, such as; serious illness, mental health issue or an injury.
Disability can be both short term and long term. There are different plans to choose from. Remember that the amount of coverage depends on both your income and health.
Why Do I need Disability Insurance?
You work hard to earn an income, and you would want to replace that income in an event of disability. For majority of people their active income is the main source of money that pays bills and cover expenses.
Therefore, in an event of disability, enough income replacement is needed to cover fix expenses to avoid financial hardship.
Who can and should buy Disability insurance?
You can apply for coverage if you are between 18-55, working minimum of 30 hours per week and hold a citizenship, Permanent residency of landed immigration papers of Canada.
Disability insurance is twice as important for people with occupation that demands a lot of physical work. However, if in an event of disability, you would lose the ability to continue work and wont be able to earn income in short term or long term, disability insurance is valuable.
How is the process of purchasing Disability insurance?
If the requirements for eligibility are met, the rest depends on your health, income and the plan you chose.
At AplusWealth we are committed to make the process simple and comfortable for you. All you have to do is to fill out the information form, so we can study how much insurance amount is needed and we will provide you with plans from different insurance companies, compare the prices and values and then give our recommendation, form there you can make the best decision that addresses your needs. We also will educate you on all the benefits that your policy has and help you maintain and adjust the policy if needed down the road.
You ask the question, we will find the answer
Call us at 1-888-461-6120 or schedule a call for a later time.