Frequently Asked Questions
You have questions; we have answers. See below for our list of FAQs for each disability benefit type or contact if you have other questions.
Most programs these days are more designed for the white collar occupations, and more often than not, have exceptions and limitations that can prevent you from getting paid your full benefit. This program is unique in the industry. We prefer to focus on the self-employed and blue collar occupations that most companies underserve.
Disability insurance ensures you have an ongoing monthly income to support the financial needs of you and your family when you suffer an illness or injury that effects your ability to earn your income.
Every North American is reliant on an income to provide themselves necessities like shelter, food, heat, hydro, clothing etc. Losing your ability to earn an income due to an illness or injury leaves you vulnerable without the appropriate protection.
Costs are determined based on a level that you select and qualify for. Contact us using the Free Consultation button top right to speak with an Agent about your personal needs to provide you an accurate quote.
We’ve designed our plans to help the self-employed, blue collar workers, and tradespeople. You’re eligible if qualify for the plan.
Disability insurance offers many different types that protects the policy holder(s) in the case of accident or sickness.
- Income replacement: Provides a monthly paycheque.
- Accident: Protects your income when there is an incident with external forces that causes you a disability.
- Sickness: Protects your income when an illness is produced over the course of time. This includes repetitive wear and tear as the condition is produced over time rather than from an injury as outlined above.
- Dismemberment: A lump-sum payout in the case of a dismemberment.
- Hospitalization: Pays out when you are confined to a hospital.
Yes. As long as they are licensed, they can sign your claim form just the same as licensed medical doctors.
Our Accident plans protect you 24 hours per day, every day, on or off the job. Our Sickness plans protect you whenever you fall ill. Our Safe Drivers Plan protects you whenever you’re in a car, bus or truck, as a passenger or driver.
Visit your doctor and then either call Empire Life’s Accident & Sickness Department at 1-888-392-3857, your local office, or you can contact your agent directly.
