Disability insurance replaces your income if you become temporarily or permanently disabled.

This “income replacement” is a safety net if you become disabled and can’t pay your expenses. Disability insurance replaces income on a monthly basis if an insured illness or accident prevents the ability to work.  


Insurance data shows that a young man in his 20's is about three times more likely to be disabled (for at least 90 days) than he is likely to die before the age of 65 — and a young woman in her mid-30's is about seven times more likely. 

For more information, please contact your insurance agent.  If you reside in Ontario, please contact our office for a referral.

Member benefits and coverage are subject to change without notice.  For more information on protecting your Chef business, please contact our office.