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DISABILITY AND INCOME
INSURANCE

Disability and income insurance gives you a source of income during your disability leave so you can meet your financial commitments and concentrate on your recovery.

What is disability and income insurance?

Disability and income insurance allows you to benefit from a source of replacement income when you are unable to work due to an illness or an accident. The coverage offered can provide replacement income of up to $10,000 per month, for the short or long term, which can be 2 years, 5 years or up to age 65. You can also cover loan repayments and even rent, if you are a tenant.

This coverage is ideal for employees who do not have group disability insurance through their employer, as well as self-employed workers and small business owners. Even better, individual insurance disability benefits are not taxable.

The benefits of disability and income insurance

  • Gives you access to a source of replacement income in case of disability
  • Makes sure you can continue to meet your financial commitments during your recovery
  • Helps to cover expenses related to your disability such as physiotherapy, occupational therapy or special equipment
  • Because it is individual insurance, your monthly benefits are not taxable
  • Renewal of your coverage is guaranteed if necessary

Coverage adapted to your needs

Superior Program

The Superior Program offers comprehensive and personalized coverage in case of an accident or illness that occurs at work, at home or while playing sports. The income replacement benefit included is available for all workers and covers your income up to $10,000 per month, based on your job or occupational class.

Find out about Superior Program

Acci-Jet Program

The ideal product for manual workers and active people. The Acci-Jet Program offers comprehensive coverage in case of accidents or injury to muscles or ligaments for all workers, self-employed as well as employees. You can choose to have coverage outside working hours or 24/7. It’s the ideal complement to your workers' compensation program!

Find out about Acci Jet Program

Universal Loan Insurance

Universal Loan Insurance is creditor insurance for all workers who have loans. Whether you use it for mortgage payments, rent, a line of credit or car payments, this insurance offers you coverage for all your loans under one policy in case of disability.

Find out about Universal Loan Insurance

Acci 7 PLUS

Acci 7 PLUS is affordable, flexible and accessible coverage. The plan is made up of 5 coverages starting at $7 per month, which you can choose according to your needs. In addition to coverages like a hospital benefit and extended medical care, you can also select coverage in case of disability.

Find out about Acci 7 PLUS

Compare our disability and income insurance products

Superior Program Acci-Jet Program Universal Loan Insurance Acci 7 PLUS
Coverage Income or general business expenses (for small business owners and self-employed workers) Income or general business expenses (for small business owners and self-employed workers) All your loans + rent Monthly disability benefits
Monthly benefit amount Up to $10,000 based on insured’s income and occupational class Up to $6,000, based on insured’s income Up to $5,000, based on insured’s income and loans $700 to $1,400
Eligible age 18 to 59 years old 18 to 69 years old 18 to 59 years old 18 to 74 years old (for disability coverage)
Coverage period Up to age 65 Up to age 75 Up to age 65 Up to age 80
Minimum number of work hours 21 hours per week OR 8 months per year for a total of 1050 hours 21 hours per week OR 8 months per year for a total of 735 hours 21 hours per week OR 8 months per year for a total of 1050 hours None
No medical exam
Conditions covered Accident or illness; or accident only Accident or injury to muscles or ligaments; illness option Accident and illness Accident
Non-taxable benefits
Option to cover general business expenses
(up to $6,000 per month)

(up to $6,000 per month)
Your policy may include additional terms and exclusions. These terms take precedence over any coverage mentioned on this page.