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Personal Insurance > Health Insurance > Compare Disability Plans

Compare Disability Insurance Plans

Which plan is right for you?

Ideal for

Ideal for
  • Self-employed
  • Contract workers or subcontractors
  • Part-time or seasonal workers
  • Those without a group disability plan or want to add to existing coverage
  • Those who work on a fee-for-service basis (doctors, lawyers or accountants)
  • High-income professionals or executives
  • Small business owners or managers
  • Tradespeople (plumbers, electricians, etc.)
  • Middle-income earners (in sales or office work)
  • Self-employed farmers
  • Small business owners or managers
  • Tradespeople (plumbers, electricians, etc.)
  • Middle-income earners (in sales or office work)
  • Self-employed farmers
  • Self-employed
  • Contract workers
  • Retail workers
  • Construction workers
  • Tradespeople (plumbers, electricians, etc.)
  • Self-employed farmers
  • Those who work on a fee-for-service basis (doctors, lawyers or accountants)
  • High-income professionals or executives

Eligibility

Age eligibility

18-55 years

18-60 years

18-60 years

18-60 years

18-64 years (illness coverage)

18-69 (injury coverage)

18-60 years

Medical exam required

No

Typically, yes

Typically, yes

Typically, yes

For illness coverage only

Typically, yes

Coverage and Benefits

Definitions of Disability Included1

Total disability
  • Total disability
  • Residual disability
  • Partial disability

Total disability

Total disability
  • Total disability
  • Partial disability

Loss of earnings (An illness or injury reduces your ability to work and causes at least a 20% loss of earnings.)

Return to Work Benefits Included

No

Yes

Yes

Yes

Yes

Yes

Timeframe to Receive Benefits

2 years
  • 2 years
  • 5 years
  • To age 65
  • 2 years
  • 5 years
  • 10 years2
  • To age 65
  • 2 years
  • 5 years
  • To age 65
  • 2 years (illness coverage)
  • 5 years
  • To age 70
  • 2 years
  • 5 years
  • To age 65

Benefits Reduced if Receiving Other Disability Benefits

No

No

Minimally reduced if receiving disability payments from auto insurance

Yes, in some cases

Yes, in some cases

Yes

Other Features
  • Covers injury only, or both illness and injury
  • You can keep policy if you change jobs
  • Recovery benefit
  • Step rates available to ages 18-35 (pay less at start of your career)
  • From age 55 to 65, you can convert all or some of your coverage to long-term care insurance3
  • You can keep policy if you change jobs
  • Recovery benefit
  • Step rates available to ages 18-35 (pay less at start of your career)
  • Special underwriting guidelines for farmers
  • From age 55 to 65, you can convert all or some of your coverage to long-term care insurance3
  • You can keep policy if you change jobs
  • Special underwriting guidelines for farmers
  • From age 55 to 65, you can convert all or some of your coverage to long-term care insurance3
  • You can keep policy if you change jobs
  • Covers injury only, or both illness and injury
  • Accidental medical emergency benefit
  • Level premiums
  • Plan option with benefits paid from the first day of disability due to injury
  • You can keep policy if you change jobs
  • Recovery benefit
  • Step rates available to ages 18-35 (pay less at start of your career)
  • From age 55 to 65, you can convert all or some of your coverage to long-term care insurance3
  • You can keep policy if you change jobs

Optional Coverages for Additional Protection

Illness coverage
  • Add more coverage, subject to approval
  • Future income option, subject to approval
  • Cost of living benefit
  • Retirement Protector
  • First day of hospitalization benefit
  • Accidental death and dismemberment benefit
  • Add more coverage, subject to approval
  • Future income option, subject to approval
  • Partial disability benefit
  • Enhanced definition of disability benefit
  • Cost of living benefit
  • Retirement Protector
  • First day of hospitalization benefit
  • Accidental death and dismemberment benefit
  • Enhanced definition of disability benefit
  • Future income option, subject to approval
  • Partial disability benefit
  • Cost of living benefit
  • Retirement Protector
  • Hospitalization benefit
  • Illness coverage
  • Accidental death and dismemberment rider
  • Business overhead expense benefit
  • Add more coverage, subject to approval
  • Future income option, subject to approval
  • Cost of living benefit
  • Retirement Protector

Premiums

Premiums Guaranteed

Premiums can be adjusted by class (an entire group of policyholders sharing similar characteristics)

Yes, to age 65

Yes, to age 65

Premiums can be adjusted by class (an entire group of policyholders sharing similar characteristics)

Premiums can be adjusted by class (an entire group of policyholders sharing similar characteristics)

Premiums can be adjusted by class (an entire group of policyholders sharing similar characteristics)

The information provided herein is for comparison of current product offerings only and does not replace the policy contract. Please refer to the policy contract for a full explanation of benefits, including definitions, benefit amount, optional benefits, exclusions and limitations.