Everyday Canadians fall ill and are unable to work, leaving them battling for their health and finances simultaneously. Having to sell hard earned assets or rack up debt to keep necessities paid, while down with a sickness, causes panic and stress that is not conducive to healing.
Our sickness policies protect against these situations by providing an ongoing monthly income. Sicknesses, like the flu causing a week of work missed, more serious sicknesses like a heart attack that can take a year to recover from, serious situations like cancer that require years of treatment, or required surgeries from years of wear and tear, can happen to anybody and our policies help protect you when it does. A sickness policy allows you to take the time to focus on your health without the added stress of finances.
Important Features
Lifetime
Our Lifetime Sickness program offers qualified policy holders a guaranteed income from the first day you see your doctor for a covered sickness for up to the rest of your life if necessary. Your benefits will pay in full, regardless of any other benefits you may receive.
You will sleep soundly knowing that you will always be able to financially provide for yourself and your family, and can focus on your health rather than your finances when illness strikes.
Any sickness benefit MUST be attached to an accident policy.
Monthly benefits up to
$5,000
| Level of Protection: | From $600 to $5,000 |
| Waiting Period: | From 0 days to 180 days |
| Guaranteed Renewal: | To age 65; After age 65, the Rider is guaranteed renewable for as long as you continue working full time in an approved occupation |
| Fixed Benefit (even if your income has fluctuated when you make a claim): | Yes |
2 Year
Our 2 year Sickness program offers qualified policy holders a guaranteed income from the first day you see your doctor for a covered sickness for up to 2 full years per covered sickness that leaves you totally disabled and unable to earn your income. Your benefits will be paid in full, regardless of any other benefits you may receive.
You will sleep soundly knowing that you are able to financially provide for yourself and your family, and can focus on your health rather than your finances, when illness strikes.
Any sickness benefit MUST be attached to an accident policy.
Monthly benefits up to
$5,000
| Level of Protection: | From $600 to $5,000 |
| Elimination Period: | From 0 days to 180 days |
| Guaranteed Renewal: | To age 65; After age 65, the Rider is guaranteed renewable for as long as you continue working full time in an approved occupation |
| Fixed Benefit (even if your income has fluctuated when you make a claim): | Yes |
General FAQs
How is this different from my health or life insurance policy?
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 affects your ability to earn your income.
Why do I need this?
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. 1 in 3 Canadians lose their ability to work at least 90 days (CLHIA)
How much is a policy?
Costs are determined based on a level that you select and qualify for. Contact us to speak with an Agent about your personal needs to provide you an accurate quote.
Who’s eligible?
We’ve designed our plans to help the self-employed and tradespeople. You’re eligible if you qualify for the plan.
What are the different types of disability insurance?
- 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.
Does the company recognize chiropractors?
Yes. As long as they are licensed, they can sign your claim form just the same as licensed medical doctors.
When am I protected?
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.
How do I make a claim?
Visit your doctor and then call the Accident & Sickness Department at 1-888-392-3857.
Key Benefits
- •Choose your own physician or chiropractor for medical attention
- •No benefit limits for soft tissue injuries or back injuries or sprains/strains
- •Empire Life Pays your Full Benefit Regardless of any other Benefits You Receive
- •No taxes withheld
- •Benefits paid directly to you
- •Available to qualified applicants only
