Disability insurance provides financial protection when an accident or illness causes you to be disabled and unable to work or earn an income.   Disability insurance replaces up to 2/3 of your income if you are unable to work as a result of injury or illness. Benefits are paid monthly and are tax-free, if set up properly. Policies differ on how soon you would collect benefits and for how long. Policies also vary in definitions of disability, whether disability benefits are received if you can't perform the duties of your own occupation, a job in your field, or any job at all. Unlike Critical Illness Insurance and Life Insurance (where the benefit is usually payable in a lump-sum and such payment ends the contract), Disability Insurance benefits are always payable on a monthly basis while disability continues until age 65. Upon recovery from a disability, the policy continues. Benefits could potentially be payable again for subsequent disabilities or for the recurrence of a prior disability. Why Do I Need Disability Insurance? Most people are unaware of the startling disability statistics. The likelihood that a person will become disabled before the age of  65 is five-times greater than the risk of death. Get Paid to Stay Healthy!   Now there's a disability policy that pays you to stay healthy. You can get back up to 70% of your premiums if you never make a claim and you keep your policy in force for at least 10 years.         Disability plan for Taxi Drivers We have partnered with companies to offer special disability plans for taxi driver. We understand that taxi drivers have difficulty verifying their income so this program is designed to offer up to $2000/month in coverage to protect their income and debt, such as a mortgage, rent or loan.There is no requirement to provide proof of income at the time or application or upon claim.     Disability Plan for Truck Drivers   Special plans designed for truck drivers based on their needs. Loss of Income Injury Coverage Is Guaranteed To Issue (provided you satisfy 2 qualifying question) $2,000 to $4,000 per month - 24 hour or Non-Occupational available Payable from the FIRST DAY, to age 70 Benefits based on Gross Business Revenue or Net Earned Income Partial Disability Benefit - 50%benefits for up to 180 days Waiver of Premium- after 30 days of Total Disability and when benefits are payable Return to Work Assistance Benefit - rehabilitation and financial assistance in returning you to work Also included in the Package Accidental Death & Dismemberment $300,000 or $500,000 Accident Medical Reimbursement $110,000 Out-of-Province Emergency Medical $5,000,000 Maximum      Please contact us today for your free, no-obligation quote!