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Disability Insurance Quote

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What would you like coverage for?

When I get hurt

Info on accident coverage No info on accident coverage

When I get hurt or sick

Info on sickness coverage No info on sickness coverage
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Don't let getting sick stop you from paying your bills

Disability Sickness Benefits

Any sickness benefit MUST be attached to an accident policy.

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 credit 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 flu causing a week of work missed, more serious sicknesses like a heart attack that take a year to recover from, serious situations like cancer that require years of treatment, or required reparative 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 stress of finances.

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

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.

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.

Any sickness benefit MUST be attached to an accident policy.

Monthly benefits up to $6,000
Level of Protection: From $600 to $6,000
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 pay 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.

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.

Any sickness benefit MUST be attached to an accident policy.

Monthly benefits up to $6,000
Level of Protection: From $600 to $6,000
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

6 Month

Our 6 month Sickness program offers qualified policy holders a guaranteed income from the first day you see your doctor for a covered sickness for up to 6 full months per covered sickness. Your benefits will pay 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.

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.

Any sickness benefit MUST be attached to an accident policy.

Monthly benefits up to $6,000
Level of Protection: From $600 to $6,000
Waiting Period: 0 Days
Guaranteed Renewal: Yes
Fixed Benefit (even if your income has fluctuated when you make a claim): Yes
Coverage Change after 65 Years of Age: Benefits convert to Hospital coverage

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.

Included with all Disability Sickness 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 Accident 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