In the event of an accident or illness resulting in loss of income, most people don't have the necessary savings to stay financially afloat. That’s where salary insurance and disability insurance become essential.
Disability insurance protects you by replacing a portion of your lost income due to illness or an accident. Whether it's a short-term or long-term disability, salary and disability insurance give you peace of mind by ensuring a stable income.
Complete a disability insurance quote online or by phone and receive offers from our partners, representing several insurers specialized in personal insurance in Canada. With ClicAssure.com, easily compare your options and choose the coverage that suits you best — hassle-free.
By clicking START NOW, you grant the permissions below and accept our terms of use.*
*Permissions:
I authorize ClicAssure to collect and share my personal information with some of its business partners who may provide me with an insurance quote. I also authorize ClicAssure and its partners to contact me by email, text, phone, or mail to respond to my request or finalize my quote.
I also consent to ClicAssure and its partners collecting, using, sharing, and retaining my personal information for the purposes of:
• Creating and updating my profile;
• Assessing the products and services they can offer me;
• Obtaining my feedback on my interactions with them or on their products and services;
• Conducting studies and creating statistical models;
• Providing me with personalized recommendations;
• Fulfilling their legal obligations.
If I accept the insurance offer from one of ClicAssure's business partners, I also authorize the latter to inform ClicAssure in order to update my file.
I also authorize ClicAssure and these same partners to communicate with me by email, text message, telephone or mail to respond to my request for insurance quotes or to allow me to finalize my quote request.
If I accept the insurance offer from one of ClicAssure's business partners, I also authorize the latter to inform ClicAssure in order to update my file.
I also authorize ClicAssure and these same partners to communicate with me by email, text message, telephone or mail to respond to my request for insurance quotes or to allow me to finalize my quote request.
Privacy
Use of cookies
59
people online
3M +
completed forms until now by our users
4.7 stars
+ than 1000 Google reviews
Salary insurance and disability insurance are essential protections to maintain your financial security in the event of illness or accident, whether short- or long-term. To help you better understand these types of insurance and their benefits, we’ve compiled a list of the most frequently asked questions. Discover everything you need to know to make an informed decision and effectively protect your income.
Salary insurance is financial protection that replaces a portion of your income if you’re unable to work due to illness or an accident. It helps you meet your financial obligations and maintain your standard of living during your time off work.
Salary insurance typically covers short- to medium-term income loss due to illness or accident. Disability insurance, on the other hand, provides long-term or permanent protection, ensuring stable income over a longer period.
In the event of illness or accident, salary insurance pays you a monthly benefit to compensate for lost income. The amount and duration of payments depend on your policy. Coverage may start on your first day off work or after a defined waiting period.
Any working individual—whether employed or self-employed—can apply for salary insurance. This type of financial product is especially recommended for people who don’t have enough savings to cover their expenses in case of work incapacity.
To qualify for disability insurance, you must be recognized as disabled by a licensed healthcare professional in Quebec and meet the incapacity criteria outlined in your insurance policy. The disability may result from illness, an accident, or a permanent medical condition.
The duration of salary insurance benefits varies depending on the policy. It can range from a few months to several years, depending on whether you have short-term or long-term salary insurance.
Most salary insurance policies cover a wide range of illnesses and accidents. However, some exclusions may apply, such as pre-existing conditions or accidents resulting from high-risk activities. It’s important to carefully read the terms of your policy.
Temporary salary insurance offers financial protection for short-term income interruptions, typically lasting a few months. Permanent salary insurance, on the other hand, covers long-term or even indefinite income interruptions, offering lasting financial security.
Yes, you can apply for additional salary insurance even if your employer provides some coverage. This can offer you more complete protection and greater peace of mind, especially if your employer’s coverage is limited.
You can get quotes for salary or disability insurance online or by phone via ClicAssure.com. Our platform compares offers from several insurers specialized in personal insurance in Quebec, helping you choose the coverage that suits you best.
Salary and disability insurance options available in Canada are very similar and complementary. Here’s a quick glossary highlighting their similarities and differences:
