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Disability Insurance


Individual Disability

In the last two minutes you've spent browsing through this site, over 100 people throughout North America have become disabled. Facts like these make the need for disability insurance obvious. And what makes AccesDirect the obvious choice for disability coverage is that we don't think simply in terms of issuing policies and paying claims.

Our goal is to provide you with the best and most appropriate insurance solutions. Our knowledgeable team helps set the standard for claims prevention and individual rehabilitation. Ultimately, we work to help claimants regain the one thing most valuable to them: their independence.


Individual Income Replacement

Because every individual is different, personal income protection provides special insurance for individual needs. Fully portable, income protection coverage can be based on a specific occupation in the event of total disability -- offering the most comprehensive coverage available today. Cost-of-living and future insurability options allow for annual increases in coverage, regardless of changes in health. And, individual disability protection is non-cancellable and premiums are guaranteed to age 65.

If you're unable to work due to an illness or injury, your disability insurance picks up where your income left off, ensuring financial security when you often need it most. If you're wondering how much disability insurance is enough, the following chart can help you work it out.


How Much Insurance Do You Need?

1. My current monthly income: $ 
This is income that depends on your ability to work and includes your salary, bonus, commissions and fees. This amount is after business expenses but before taxes.
2. My current monthly expenses:
• Food $  
• Housing (mortgage or rent) $  
• Auto $  
• Medical and dental $  
• Utilities $  
• Insurance premiums $  
• Savings $  
• Education $  
• Clothing $  
• Other $  
Total monthly expenses: $
3. My current monthly coverage if I were to be disabled:
• Group LTD $  
• Individual disability insurance $  
• Other $  
Total current monthly coverage: $
4. The amount of coverage I need:
 $

This will give you a general idea in determining the amount of disability income protection you need. Coverage amounts are ultimately determined by occupation, health status, insurability and financial documentation. AccesDirect can help design the best solution for your specific needs.



Are you eligible for Employment Insurance? (EI)

Do you qualify for Workers' Compensation?

Do you contribute to the Canadian Pension Plan (CPP) or Quebec Pension Plan (QPP)?

Features And highlights
  • Graded premium plan options help young professionals realize savings through to age 40;
  • Lifetime protection feature provides benefits beyond the working years;
  • Proportionate benefits for partial disabilities;
  • Immediate benefit payment for qualified 'loss of use' disabilities;
  • HIV/Hep B specialty coverage for medical professionals;
  • Some individual disability coverages may be purchased on a grouped basis and qualify for additional discounts; growth occupations may also qualify for discounts.
  • Possibility of refunding of premiums after 10 years, if no claim was made during this time period.


Individual Business Protection

The health of a business is often dependent on the health of its key employees. If you were to become disabled, you might well face a torrent of tough decisions: how to continue to pay your employees' salaries; how to continue to draw an income; how to hire a replacement; how to negotiate credit extensions.

AccesDirect has the solution: funding programs designed to transfer responsibility from your company to ours. That way, if you're ever disabled, you can rest assured that your business will remain healthy until you're healthy again.



  • Income Continuation plans pay a guaranteed income so you won't have to deplete your company's valuable cash resources to pay someone who can't work. You decide who participates: choose shareholders only or include key players as well;
  • Disability Buy Sell plans provide a guaranteed source of funds in the event of a buy-out. Flexible pay-out options allow you to maximize tax or financial advantages. Choose lump sum or monthly installments;

  • Key Person protection can help offset a decrease in profits and cover recruiting and replacement fees during the disability of a key person;

  • Overhead Expense programs reimburse key business expenses such as rent, utilities, employee salaries, as well as business and property taxes during a business owner's disability;

  • Loan Repayment option helps to pay outstanding business loans in the event of disability, easing the strain on your company's now limited cash resources;

  • Deferred Tax Expense provides business owners and unincorporated professionals guaranteed funding to pay deferred income taxes in the event of a disability.


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