Protect Your Income with Disability Insurance
When your ability to earn is interrupted, your plan shouldn’t be.
A serious injury or illness doesn’t just affect your health—it can disrupt your entire financial life. Disability insurance protects your income so you can focus on healing, not scrambling to cover bills. Whether you’re self-employed, a professional, or a business owner, we’ll help you put the right safeguards in place.
- Plans for self-employed, salaried, and high-income earners
- Personalized recommendations
- Trusted across the GTA
Protect Your Income with a Plan That Fits
Protect your income, your business, and your lifestyle with the right disability insurance strategy. We’ll guide you through the best options—without pressure, upsells, or confusing terms.
Disability Insurance Coverage Options
Choose the Right Coverage for Your Life and Work
Disability insurance isn’t just one thing—it’s a toolkit. Whether you’re recovering short-term, facing a longer road back, or protecting a highly specialized career, the right type of coverage makes all the difference. We’ll help you build a plan that fits your real risks and real life.
Short-Term Disability
If you’re recovering from surgery, illness, or a short-term injury, this coverage replaces a portion of your income—typically for 3 to 6 months. It helps you cover bills and living costs while you get back on your feet.
- Replaces lost income
- Helps cover everyday expenses during recovery
- Ideal for contractors & self-employed professionals
Long-Term Disability
This coverage kicks in after short-term benefits run out and can last for years—or even until retirement. It’s your financial foundation when a serious illness or injury prevents you from working long term.
- Covers 60–85% of your income
- Protects your lifestyle and long-term plans
- Critical for high earners & professionals
Partial Disability
Partial disability benefits support you when you can work in some capacity but not full-time. It’s perfect for a gradual return to work or for conditions that limit your ability to perform your usual hours or tasks.
- Offers flexibility during recovery
- Supports reduced work schedules
- Helps prevent relapse or burnout
Own Occupation Coverage
Own occupation coverage pays if you can’t do the specific job you trained for, even if you’re well enough to do something else. It’s the gold standard for doctors, lawyers, and other skilled professionals.
- Protects your specific role and skillset
- Doesn’t force you into a lower-paying job
- Ideal for professionals in high-responsibility roles
Your Financial Lifeline
How Disability Insurance Actually Works
If you’re unable to do your job due to illness or injury, disability insurance steps in to keep your income flowing. These policies replace a portion of your pay—usually tax-free—so you can stay financially stable even if you’re off work for months or years. Whether you’re recovering short-term or navigating long-term challenges, the right plan ensures you can:
Pay your bills and maintain your lifestyle
Focus on recovery, not financial stress
Keep up with obligations like rent, mortgage, tuition, or debt
Avoid draining your savings, retirement accounts, or business cash flow
Disability Insurance for Professionals & Business Owners
You Work for Yourself. We Work for You.
Traditional group plans often fall short for high-income earners and self-employed professionals. Disability insurance tailored to your situation ensures your income—and your business—stay protected, even if you can’t work.
- Incorporated professionals (doctors, dentists, therapists, consultants)
- Solo entrepreneurs and small business owners
- Professionals with fluctuating or non-salaried income
- Business owners whose operations depend on their ability to work
Disability Insurance That Works When You Can’t
When your ability to earn stops, your expenses don’t. Let’s build a safety net that keeps your plans intact, your bills paid, and your focus where it should be—on getting better.
Meet Amy Mandel —
Your Trusted Insurance Partner
Amy Mandel is a licensed independent advisor with a decade of experience helping Ontario families and business owners protect their futures. She works with Canada’s top providers to design custom insurance strategies — always with your best interest in mind.
- Independent
- Transparent
- Relationship-First
Reviews
What Families and Founders Are Saying
Proof that we can deliver on our excellent customer service
FAQ'S
Frequently Asked Questions About Disability Insurance
Most plans replace between 60% and 85% of your pre-disability income. The exact amount depends on how your income is structured (salary vs. dividends) and your chosen policy.
Yes. We specialize in helping incorporated professionals and small business owners. You’ll get custom coverage that protects both your personal income and business overhead.
Short-term disability kicks in quickly and lasts for a few months. Long-term disability provides income for years—or even until retirement—if you’re unable to work for an extended period.
Yes. Most policies cover disabilities caused by anxiety, depression, burnout, or other mental health challenges—just like physical injuries.
Not always. Some policies require only a basic health questionnaire. Others may include a paramedical exam, depending on your age, coverage amount, and health history.
If you pay premiums personally, benefits are usually tax-free. If your corporation pays the premiums, benefits may be taxable income. We’ll help structure your policy to maximize tax efficiency.
It typically takes 1 to 4 weeks, depending on the insurer and whether medical underwriting is needed. We’ll guide you every step of the way.
Don’t Let an Injury Derail Your Financial Plan
Your work is unique. Your coverage should be too. We help business owners and professionals create disability plans that reflect their real financial needs—not some generic template.