Disability
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Because someone
depends on you 

You show up every day because someone needs you to. Your income is one of the ways you take care of them. It's rent, groceries, school supplies, everything your household runs on.  Combined Disability Insurance helps to cover the expenses that come when accident or sickness keeps you from working. Monthly cash, paid directly to you, so you can focus on getting better and getting back to the people who need you. 

8M

employed Canadians have no private disability coverage.1

1 in 3

working Canadians will experience a disability lasting 90+ days.22

$2,600

average monthly income loss during a disability. 3

Most people don't think about disability coverage until they need it.

Employment Insurance (EI) sickness benefits replace about half of your income, and they cap out after six months.4 If you're self-employed, there's often no employer plan at all. Combined Disability Insurance pays up to $3,000 a month directly to you, on top of whatever coverage you already have with options for accident, sickness, or both.

Not sure what coverage you need?
Our agents are here to walk you through your options and help you find the coverage that makes sense for how you actually live.
SPEAK TO AN AGENT

Who depends on Sarah? 

SARAH'S STORY*

Sarah runs a mobile pet grooming business. When she tore her rotator cuff, she knew she'd be out for weeks. No employer plan. No partner's benefits. Workers' Comp doesn't cover the self-employed. Just her son, and a household that doesn't run itself. 
 
She thought about going back early. Pushing through the pain. Because that's what you do when your child needs you.  
 
Because Sarah had Combined Disability Insurance, she didn't have to. She received monthly cash benefits while she recovered. Money that covered what her income usually covers, so she could actually heal instead of going back before she was ready.  
 
Sarah took the time she needed to get better, and even got a little extra time with her son.  Robert discovered Combined Guaranteed Life and was surprised by how straightforward it was. No medical exams, no waiting periods, no rejection based on his health history. The online application was quick, and his coverage started immediately.

Disability coverage built around how you actually work

Combined Disability Insurance pays monthly cash benefits directly to you while you're unable to work due to a covered accident or sickness. Up to $3,000 a month, for up to 24 months if you are totally disabled. That's money you can put toward whatever matters most, because you know better than anyone where it needs to go.

Monthly cash benefits up to $3,000, paid directly to you.
Accident and sickness disability coverage available in one place.
Covers employed and self-employed.
Benefits on top of EI and any existing group coverage.

Don't wait until it's too late 

Someone depends on you. Combined Disability Insurance makes sure an accident or sickness doesn't get in the way of that. Monthly cash, paid directly to you, so you can heal and get back to the people who need you.

SPEAK TO AN AGENT
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Exclusions and limitations may apply. See policy for complete details for policy features, benefits, definitions, and limitations and exclusions.
*The claim scenarios described here are hypothetical and are intended to show the types of situations that may result in claims. These scenarios are not based on actual claims and should not be compared to an actual claim. Whether or to what extent a particular loss is covered depends on the facts and circumstances of the loss, the terms and conditions of the policy as issued and applicable law.
Sources:
1. CLHIA, *Canadian Life and Health Insurance Facts*, 2025 Edition. clhia.ca/en-ca/media-and-publications/news-releases/2025/Claims-in-Canada-rising-143-billion-paid-to-help-keep-Canadians-healthy-and-financially-secure
2. RBC Insurance / Ipsos, *Working Canadians Survey*, July 2024. rbc.com/newsroom/news/article.html?article=123688
3. Government of Canada, *EI Sickness Benefits*, 2026; Statistics Canada, *Average Weekly Earnings*, March 2026. canada.ca/en/services/benefits/ei/ei-sickness/benefit-amount.html
4. Ibid.