Disability Insurance (or Income Protection) will protect you from loss of income, due to injury or illness, and provide income by paying you a non-taxable benefit for as long as you are unable to perform the important duties of your job.
To qualify for Disability Insurance, you need to be working at least 20 hours per week, either as an employee or self-employed. There are many plans to choose from and they can be tailored to fit your budget and needs. Plans vary in cost, benefits, definition of disability, and features that you can add to the policy. Certain plans allow you to increase the benefit over the life of the policy, without medical evidence, thereby offering flexibility in case of increased income.
I am happy to meet and design a plan tailored to your needs or provide a free comprehensive review of your group plan.