Accidents & Sickness don't knock on the door before they come in ...
What are the Benefits of owning a plan like this?
NO WAITING PERIOD
If you get sick or injured this
policy pays Day 1!
World wide protection
You are covered at work, at home at play and anywhere in between.
Partial Disability for first 30 days
Get up to $2000 for first 30 days if partially disabled.
Own the policy until 75 years old
You can take this policy into your retirement.
Pays in addition to any other benefits
It doesn't matter if you have Worker's Compensation, group benefits or any government employment insurance, these benefits pay in addition.
Premiums cannot be increased
Your premium cannot be cancelled or increased due to the number of claims you make.
Back to work benefit
Once you have been totally disabled, you can claim 50% of benefit as you get back to work for 30 days.
Accumulation of Benefit period up to 24 months
Every year you own the policy, an additional month is added to your benefit period at no extra cost until it reaches 24 months.
Can qualify without income source
Students or stay at home parents can apply for a base amount of disability protection even without income source.