Clic Assure

Bien comprendre l'assurance invalidité

Tuesday, September 20, 2022 Dernière modification le Thursday, September 29, 2022

Qui a besoin d’assurance invalidité ?

 Le journal Les Affaires estime qu’une personne sur deux risque d’être invalide pendant cinq mois dans sa vie.  L'assurance-invalidité, qu’on appelle aussi assurance salaire, sert à remplacer une portion des revenus perdus si vous ne pouvez plus travailler en raison d’un accident ou d’une maladie. Les régimes d’état n’ont qu’une portée limitée, on le sait : l’assurance chômage, la SAAQ et la CSST ne couvrent que les personnes éligibles pour un certain temps. 

 Comment se procurer de l’assurance invalidité

 Tout le monde est donc susceptible d’avoir cette assurance afin de pouvoir subvenir à ses besoins financiers pendant la période de rétablissement. La bonne nouvelle est que vous en avez probablement déjà si vous bénéficiez d’un programme d’assurances collectives.  Si vous n’en avez pas et que vous êtes associé ou travailleur autonome, vous pouvez demander des soumissions pour un contrat individuel, en remplissant ce formulaire de soumission : https://www.clicassure.com/assurance-salaire.aspx.

 Comment fonctionne l’assurance salaire

 Que l’invalidité soit de nature physique ou mentale, de courte durée ou de longue, ce qu’il faut absolument savoir avant d’acheter ce genre d’assurance est la définition qu’en a l’assureur. Parlons clairement. Imaginez que vous êtes plombier et que votre blessure vous empêche d’exercer ce métier mais pas de travailler à la caisse d’un supermarché, l’assureur va-t-il reconnaître votre invalidité ? Tout dépend de sa façon de le définir.  Une fois l’invalidité reconnue, l’assurance entre en jeu, un pourcentage de vos revenus vous est alors versé mensuellement et vous pouvez le dépenser à votre guise. Il est possible d’ajouter l’option « frais de base » pour inclure à cette rente mensuelle les dépenses courantes comme le loyer, l’électricité et la nourriture.

 Faites le bon choix, celui qui s’impose

Besoin d’un professionnel d’assurance qui pourra vous aider à identifier vos besoins réels afin de vous proposer la protection la mieux adaptée ? La meilleure adresse, c’est ClicAssure.com, car en quelques clics, votre demande sera acheminée à notre partenaire qui saura trouver le meilleur produit pour vos besoins en fonction de votre budget.

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