Disability Income Protection Insurance

from http://www.lifehealthinsurance.ca

Disability income protection insurance is designed to protect your employment income, by providing a monthly benefit when disability restricts your ability to work.

Each income protection plan is different. You can choose an accident-only plan or a plan that insures against a disability caused by either an accident or a sickness.

You can also choose your "commencement date". In choosing a commencement date, you'll need to decide how long you can live on your own resources during a disability before benefits start. The later the commencement date, the lower your premium.

Depending on the plan you choose, you could be provided with income after you are disabled for 30, 60, 90, 120, 180 days or even a year or two years after the start of a disability.

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