For Canadians on long-term disability (LTD), a reassessment often occurs at the two-year mark. Insurance companies use this opportunity to determine if an individual is still “totally disabled” under ...

This plan is currently administered by Guardian. Long term disability (LTD) insurance provides income replacement during extended periods of disability resulting from illness or injury. The plan ...

Short-Term Disability Insurance (STD) replaces a portion of your pay if you cannot work due to an illness or injury. The STD plan pays a benefit to replace 66.67% of your pre-disability income.

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If you have a physically demanding career, obtaining disability insurance could be a smart move to protect your income if you ...