Your Income, Protected — No Matter What Happens

Your ability to earn an income is one of your most valuable assets. Disability Insurance ensures that if an accident or illness keeps you from working, your financial life doesn’t fall apart. It replaces a portion of your income — typically 60% to 85% — so you can continue paying bills, supporting your family, and maintaining your lifestyle.

What Does It Cover?

Disability Insurance provides monthly payments if you:

• Are temporarily unable to work due to illness or injury.
• Become permanently disabled and can no longer perform your job.
• Need time to recover from surgery, mental health conditions, or chronic illness.

Coverage can be short-term (a few months) or long-term (years or until retirement), depending on your policy.

Why It Matters

• Replaces lost income when you can’t work.
• Protects your savings and retirement plans.
• Covers fixed expenses like rent, groceries, and debt payments.
• Supports recovery without financial pressure.
• Complements critical illness and life insurance for full protection.

Who Should Consider It?

• Self-employed professionals or business owners.
• Employees without group disability coverage.
• Primary earners in a household.
• Anyone with financial obligations (mortgage, loans, dependents).

Why Choose O Canada Insurance Inc.?

Guriqbal Singh brings a strategic, client-first approach to disability planning — backed by LLQP licensing in Ontario and Saskatchewan and years of experience with top providers like Manulife, iA Financial Group, and Canada Life.

We help you:

• Choose the right benefit period and waiting period.
• Understand “own occupation” vs. “any occupation” definitions.
• Integrate disability coverage with your life and critical illness plans.
• Navigate tax implications and employer coordination.