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What is Disability Insurance?

How Disability Insurance help you in hour of need? 

Disability Insurance


Disability insurance can help protect you and your family from an unexpected illness or accident that leaves you unable to work and earn an income. Generally, disability insurance replaces between 60% and 85% of your regular income, up to a maximum amount, for a specified time if you: temporarily can't work are permanently disabled due to an injury or illness Permanent refers to the nature of the disability. It does not mean that you'll get benefits for the rest of your life. Many employers offer disability insurance. However, you can get your own disability insurance plan through a life and health insurance agent. If you're self-employed, you can also get disability insurance that will cover many of your business expenses if you're unable to work.

Short-term disability insurance

Short-term disability coverage typically provides benefits for up to 6 months while you're sick or injured. If your employer has a short-term disability plan, your claim must be made through your disability plan. Employers aren't required to provide paid sick leave and each employer is different. Speak with your employer’s human resources staff for details on your plan including any sick time or vacation time policies that might apply. If you don't have short-term disability coverage and your employer does not offer one, you may be eligible for Employment Insurance (EI) sickness benefits. To be eligible for EI sickness benefits, you must: usually have used all of your sick leave and have worked enough hours.

Long-term disability insurance

Long-term disability insurance benefits generally begin when the following benefits end:
short-term disability insurance
sick leave benefits from your employer
EI benefits
Most long-term disability plans will replace 60% to 70% of your normal income.

Each disability plan is different. Some may provide disability benefits for up to two years if you're unable to return to the job you had before becoming disabled. After two years, you may continue to receive benefits only if you're unable to work at any job.

Help Protect Your Lifestyle and Recover from a Serious Illness. Let us guide you with simple and easy process and help you find best prices.

We’ll find you which company will give you the least expensive insurance quote possible. Since we have best insurance companies to choose from, we are usually successful at doing that.

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How Disability Insurance Works?

Disability insurance is designed to replace a portion of your income if you become disabled and are unable to earn an income. A disability can result from a number of causes, including an injury, a serious illness or a mental health issue. And the duration of a disability can be either short- or long-term. There are different kinds of disability insurance coverage, including individual insurance plans and group insurance plans, as well as government plans such as workers’ compensation and benefits provided under the Canada Pension Plan.

Why should you consider Disability Insurance?

Getting disability insurance can bring you great peace of mind. Knowing you’ll have a financial safety net should you fall seriously disable can allow for economic flexibility in your future plans and safeguard you and your family against the unexpected.

  • Flexible Options: Our disability insurance plans offer a range of options to choose from, including the Family Compassionate Care Rider, a first-of-its-kind.
  • Fills Coverage Gap: Canada Pension Plan (CPP) and Quebec Pension Plan (QPP) disability benefits are limited and may be more restrictive.
  • Helps You Return to Work: Many of our plans provide return to work benefits such as rehabilitation, job retraining and other services to help you get back to work.

MENDRE Insurance Group is here to guide you with simple process

Depending on your situation you may need only critical illness or disability insurance but there are many times when you need both to fully protect yourself. Critical illness and disability insurance work together to help reduce the impact of disability or serious illness. Let MENDRE Insurance Group help you to understand the complete process in easy way.

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What to ask when buying disability insurance?

When buying disability insurance make sure you understand the following. Ask your benefits administrator or insurance agent about anything you don't understand.

General terms and conditions

How the plan defines disability
Are there any exclusions
Are there any pre-existing condition clauses in the plan that you should be aware of

Premiums

How much the policy will cost
Do you still need to make premium payments while living with a disability

Benefits

The amount of money you'll get each month
Are the benefits taxable
Will benefits be adjusted for inflation
How long you need to wait before starting to receive benefits
Does the plan include partial disability benefits
Can you increase your coverage without a medical exam

Individual plans

Is the policy “guaranteed renewable” meaning you have the right to renew the policy, usually without additional evidence

Group plans

Is your group plan provided by an insurance company or is it self-funded by the employer
Will you still get benefits from a self-funded plan if the employer goes bankrupt or faces financial difficulty. If you leave your job, are there provisions to continue your existing coverage until you get new coverage.

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Lump-Sum Benefit

Use your benefit to maintain financial stability, access cutting-edge medical services or to aid your recovery in some other way.

"The Healing Journey" Program

Disability insurance can give you financial security and valuable support services to help cope during a challenging time.

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Protect yourself financially against the most common illnesses

Together, cancer, heart attack and stroke make up 89% of all critical illness claims. For financial protection against these common illnesses, choose most affordable coverage now.

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Take Steps to Help Protect Your Lifestyle and Recover from a Serious Illness.

Find the best policy from companies you can trust. There are 3 main qualities that set us apart from the competition. We contract with best insurance companies, so we can choose which one is best for you. We have extensive knowledge of the different companies and how they underwrite. Our commitment is to serve your interests above all else.

Step 1
Find an advisor

Disability insurance is a specialized product. Your decision to buy coverage should be made with the help of someone who really understands the product. An advisor can help you determine the right coverage to meet your need to protect your family and your finances. Talk to our expert advisor to help answer your questions. There is no cost to talk to an advisor.

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Step 2
Meet your advisor

To get the most out of the meeting with your advisor, take some time beforehand to think carefully about what you want to achieve. An advisor can help you determine the right coverage for you. And because your advisor will need additional information to help recommend the policy that’s right for you, get together some basic information about your income, assets and liabilities.

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Step 3
Apply for coverage

Your advisor will handle the paperwork for you. You’ll need to submit an application for a policy that will be evaluated by the insurance company. Depending on your age and the type and amount of coverage you want, you will need to answer a medical questionnaire. You may also be asked to provide additional medical information. MENDRE Insurance Group will help you covered.

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If you are still confuse to choose between different type of insurances. Don't Worry! Let us guide you with simple and easy process and help you find best prices.

We’ll find you which company will give you the least expensive insurance quote possible. Since we have best insurance companies to choose from, we are usually successful at doing that.

Get a free consultation Apply Now Call: (289) 889 1899

Call: (289) 889 1899

Let us help you to find best prices

We’ll find you which company will give you the least expensive insurance quote possible. Since we have best insurance companies to choose from, we are usually successful at doing that.

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About MENDRE Insurance Group

MENDRE Insurance Group is an independent insurance brokerage company. All insurance products can be obtained at competitive rates at MENDRE Insurance Group. Our professional insurance team comprises of insurance experts who are citizens of Flordia & Massachusetts or permanent residents. Having extensive knowledge of different companies and how they underwrite we can help you insure everything from your life, health to final expenses, and everything in between.

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MENDRE Insurance Group Website Disclaimer: We do not offer every plan available in your area, but we do offer almost all of them. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. MENDRE Insurance Group is a licensed independent insurance agency licensed to sell insurance in Flordia & Massachusetts, USA.

MENDRE Insurance Group is a licensed independent insurance agency licensed to sell insurance in Flordia & Massachusetts, USA. Not all products are available in state. Product eligibility for each carrier varies depending the following factors: resident state of the insured, age, and medical underwriting restrictions. All plans with no waiting period require an applicant to be medically approved by the insuring company and are subject to the incontestability period. All guaranteed acceptance plans that have no health questions will be subject to the insurer’s defined waiting period before benefits become payable under the policy provisions. By submitting a request to apply for coverage, you agree to MENDRE Insurance Group’s privacy policy. Furthermore, you also consent and expect to be contacted via text, email and phone by a licensed agent of MENDRE Insurance Group. Under no circumstances will MENDRE Insurance Group share or sell your information to a third party.
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