TYPES OF DISABILITY INSURANCE

There are three types of disabilities:

1) Presumptive disability

This would apply if you lost your hearing, or lost the use of any two limbs (like both legs or arms or an arm or a leg), or if you became blind.  There is no waiting period if you have one of these losses.

2) Residual disability

Think of this as a partial disability.  You can only work, let's say, 20 hours a week instead of the 40-plus hours you normally do.  (You must make sure you have this clause in your insurance policy!)

3) Total disability

You are unable to perform your duties in which you are engaged at the time of disability.  If you are a physician or dentist, special medical language is used in the definition of total disability (own–occupation).

Let's Talk

No matter what your situation, Disability Insurance is crucially important.  I'll help you find the coverage that's right for you, at a rate that fits your budget - and I will provide your initial consultation absolutely  FREE.  That's right; it's a free, no-obligation consultation.

You have nothing to lose, and you stand to gain a great deal of peace of mind and financial security.  Contact me today to make it happen.

Sincerely,


Brian Poncelet, CFP
(905) 338-7689 (24hrs)
brian@Disability Insurance Quotes

***Owing to limited resources and time commitment, only people with family incomes of $110,000 or more should call.  (OR $60,000 in RRSPs)