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Disability Insurance Quote

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When I get hurt

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When I get hurt or sick

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Insurance that does what it says it does

Disability Benefits

We never know when injury or illness will strike in our lives. It takes only a moment for your health to be taken away and with that, your ability to earn an income. Investments and RRSPs meant to support your retirement can quickly deplete in just a short-term bereavement from work. What happens if your accident or sickness leaves you off for many months or a few years? Or for the rest of your life? The financial strain on family members can be detrimental to their health and your relationship while you fight to regain your own health. How will your kids feel watching the life they knew incrementally disappear due to an accident or injury causing financial stress to the household. Liquidating hard earned assets at a fraction of their true value to pay the bills is damaging financially and mentally.

There are multiple types of disability insurance and understanding the differences allow for careful consideration when tailoring your protection to suit your specific needs. What is included in disability policies vary depending on the company providing the coverage and the combination of policies that you carry. Let us help you become an expert in what combination of disability options best suit you and your family’s needs.

La Capitale Financial Security pays your full benefit regardless of any other benefits you receive.

Important Features

Disability Lifetime Accident & Sickness Benefits

Our Lifetime Accident and Sickness program offers qualified policy holders a guaranteed income from the first day you see your doctor for a covered accident or 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 injury or illness strikes.

Once qualified, you may add the Return of Premium Guarantee, where 100% of the premiums you have contributed will be returned to you, less any claims at age 65 or after 20 years, whichever is later allowing you to invest in your future while providing a guaranteed income.

Monthly benefits up to $6,000
Level of Protection: From $600 to $6,000
Elimination Period: From 0 days to 180 days
Accidental Death, Dismemberment or Loss of Sight: Up to $25,000
Guaranteed Renewable: 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

Disability 5 year Accident & 2 year Sickness Benefits

Protect yourself from both accident and sickness with one comprehensive program. Our Accident and Sickness program offers qualified policy holders a guaranteed income from the first day you see your doctor for a covered accident for up to 5 full years per accident and 2 years per covered sickness.

Your benefits will pay in full, regardless of any other benefits you may receive allowing you the financial relief to focus on your health rather than your finances. Tailor-made for higher risk occupations and age groups protecting against both injury and illness with a guaranteed monthly income paid directly to you to use as you see fit.

Once qualified, you may add the Return of Premium Guarantee, where 100% of all of the premiums you have contributed will be returned to you, less any claims at age 65 or after 20 years, whichever is later allowing you to invest in your future while providing a guaranteed income.

Monthly benefits up to $6,000
Level of Protection: From $600 to $6,000
Elimination Period: From 0 days to 180 days
Accidental Death: Up to $10,000
Dismemberment or Loss of Sight: Up to $5,000
Guaranteed Renewable: 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

Hospital & Disability Accident Benefits

Protect yourself against any minor and catastrophic injuries with the Hospitalization and Accident policy. Providing you qualify, secure yourself a full 5.5 years of benefits per covered accident that provides a guaranteed, tax free income so you can focus on your health rather than the stress of your finances. Included if you qualify is the Lifetime Hospital Benefit that pays in addition to your regular disability benefits from the first day you’re are confined to a hospital, up to the rest of your life if necessary. Also included if you qualify is a working benefit that pays you half your full total disability benefits for up to three full months for any injury that slows you down but you’re still able to perform some of your regular duties.

Once qualified, you may add the Return of Premium Guarantee, where 100% of all of the premiums you have contributed will be returned to you, less any claims at age 65 or after 20 years, whichever is later allowing you to invest in your future while providing a guaranteed income.

Monthly benefits up to $6,000
Level of Protection: From $600 to $6,000
Elimination Period: From 0 days to 180 days
Accidental Death: Up to $37,500
Hospitalization Benefits: Lifetime
Guaranteed Renewable: For life
Fixed Benefit (even if your income has fluctuated when you make a claim): Yes

Emergency Benefits

Suited for retiree’s, business start-ups, students or those working within the home to provide a guaranteed monthly income from the first day you see your doctor up to a full six months for any covered accident, allowing you the time to heal and rest while sleeping soundly to know you have a regular income to rely on. Also included is a 3 month partial disability that will pay half your full total disability benefits if you are working with an injury.

Included if you qualify are the safe driver benefits offering additional benefits paid in the case of an injury sustained from a covered motor vehicle accident. Included if you qualify, is a lump sum payment of up to $160, 000 in the case of suffering a long-term total disability from a covered motor vehicle accident. Plus, an additional $12,000 per month will be paid each month you’re confined to a hospital from a covered motor vehicle injury, at the rate of $400 per day, for up to 60 days; paid in addition to all other benefits included in the program. All of the safe driver benefits are inflation protected meaning they will grow by 5% each year for 10 years to guard you against annual inflation.

Once qualified, you may add the Return of Premium Guarantee, where 100% of all of the premiums you have contributed will be returned to you, less any claims at age 65 or after 20 years, whichever is later allowing you to invest in your future while providing a guaranteed income.

Monthly benefits up to $2,000
Level of Protection: From $600 to $2,000
Elimination Period: 0 days
Safe Driver Benefits: Up to $1,600 per month; up to 6 months; Paid to you every month you're Totally Disabled because of a covered motor vehicle injury. Paid in addition to your All Accident Benefit.
Hospital Coverage: Up to $12,000 per month; $400/day; up to 60 days
Death Lump Sum Payout: $20,000 paid in one lump sum to your beneficiary in the event of your death, as a result of a covered motor vehicle injury, within 365 days of such injury.
Safe Driver Inflation Protection: Yes. Eligible Safe Driver Benefits increase 5% per year for 10 years. At the end of 10 years, these benefits will have reached their maximum value of 150% of the original amount.
Permanent Total Disability: Up to $160,000; Paid to you in the event of a covered motor vehicle injury; $20,000 first year with $20,000 increase every year on renewal up to maximum of $160,000
Guaranteed Renewable: Up to 85
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?
Income protection or 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.

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 there ability to work everyday. (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 qualify for the plan.

What are the different types of disability insurance?
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.
Dismemberment: A one time payout in the case of a dismemberment.
Hospitalization: Pays out when the policy holder(s) are confined to a hospital.
Critical Illness: A one time payout in the case of a critical diagnosis. Which diseases are outlined in each policy.
Business Plan Protection: Pays an ongoing income to cover business expenses when the names policy holder(s) become injured or ill.
Income protection is broken down into two essential parts: Accident and Sickness.
Accident protects your income when there is an incident with external forces that causes you an injury; you were hurt.
Sickness protects your income when an illness is produced over the course of time. This includes reparative surgeries as the condition is produced over time rather than an incident of injury as outlined above.

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 visit La Capital FS and follow claim directions.

Our Lifetime Program

Watch this Short Video To Learn More

Included with all Disability Benefits

Important Features


  • Choose your own physician or chiropractor for medical attention

  • 90% of complete claims are settled within 7 days

  • No benefit limits for soft tissue injuries or back injuries or sprains/strains

  • La Capitale Financial Security Pays your Full Benefit Regardless of any other Benefits You Receive

  • No taxes withheld

  • Benefits paid directly to you

  • Available to qualified applicants only

Disability Benefits

Brochure Details

Important Features

Company Information

Landmark Canada
Head Office

Suite 102 - 2902 South Sheridan Way
Oakville, ON L6J7L7

Contact details

E-mail address:
admin@landmarkcanada.ca

1-877-521-5511

Toll Free

Phone: 1-905-829-5511
Fax: 1-905-829-5530