Group Disability Insurance
When employees can't work due to illness or injury, disability insurance ensures they can focus on recovery without financial stress. It's essential protection that demonstrates you care about your team's well-being.
Income Protection for Your Team
What is group disability insurance?
When employees can't work due to illness or injury, disability insurance ensures they can focus on recovery without financial stress. It's essential protection that demonstrates you care about your team's well-being.
Quick Reference
Is this right for you?
Employers valuing employee welfare
Replace income during temporary disabilities lasting weeks to months. Covers recovery from surgery, injuries, illnesses, and maternity leave.
Businesses without sick leave banks
Continued income replacement for serious conditions that prevent work for extended periods, potentially until retirement.
Companies with physical job demands
Employees can focus on recovery knowing their bills are paid. Reduces stress and supports faster return to work.
Organizations with older workforce
Formal disability plans reduce informal accommodations and clarify expectations for both employers and employees.
Employers seeking competitive benefits
Explore this coverage option.
Businesses replacing EI with better coverage
Explore this coverage option.
How it works
Coverage Assessment
Analyze your workforce demographics, industry risks, and current sick leave policies.
Plan Design
Structure waiting periods, benefit percentages, and duration to match your needs and budget.
Integration Planning
Coordinate with EI, workers' comp, and any existing sick leave to optimize coverage.
Implementation
We ensure smooth enrollment and provide resources for claims management.
What to expect
What This Covers
- Short-term disability (STD) coverage
- Long-term disability (LTD) coverage
- Income replacement up to 85%
- Own occupation definitions available
- Mental health coverage included
- Rehabilitation support services
- Return-to-work programs
- Survivor income benefits
×Common Exclusions
- ×Pre-existing conditions (waiting periods may apply)
- ×Material misrepresentation on application
- ×Conditions outside policy terms
Protecting Ontario families with thoughtful coverage since 1999.
How we compare
As an independent broker, Michael compares policies across multiple carriers to find the best coverage and pricing for your specific situation.
Working with an independent broker means seeing the full market — not just what one insurance company wants to sell you.
Frequently asked
Short-term disability covers temporary conditions for 17-52 weeks. Long-term disability begins when STD ends and can continue to age 65. STD handles common absences like surgeries and injuries; LTD protects against serious, lasting conditions.
Group STD typically provides higher benefits than EI and can be designed to top up EI benefits. We help structure plans to maximize employee protection while managing costs.
Yes, mental health conditions like depression and anxiety are covered. Some plans have separate limits for mental health claims, while others provide full coverage. We can help you find plans with comprehensive mental health benefits.
Most plans replace 60-70% of pre-disability income. Higher percentages (up to 85%) are available. Benefits may be taxable or tax-free depending on who pays the premiums.
Yes, employees can purchase individual disability insurance to supplement group coverage, especially those with higher incomes or those wanting own-occupation definitions.
Let's discuss group disability insurance.
Reach out for a private consultation — no obligation.