Disability Insurance British Columbia

Supporting your decisions by providing clarity on disability insurance plans so you can safeguard your future in all circumstances. 

Protection Against Uncertainties

Your health may be unpredictable, but disability does not have to mean financial instability. Protecting your income with disability insurance in British Columbia ensures you remain secure during unexpected challenges. Understand your policy benefits and stay financially resilient by making the most of affordable premiums and tailored coverage options. Such clear guidance can help you maintain a solid financial base through any challenge.

Helping more than a hundred thousand families, there’s no stopping the betterment

CanCare Life helps you understand the added benefits your plan may offer, including inflation protection, loan relief, and retirement support. 

Areas We Serve

Protecting British Columbians Across the Province:

Disability Insurance in Vancouver
Disability Insurance in Surrey
Disability Insurance in Burnaby
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How does disability insurance replace lost income in British Columbia?
Disability insurance in British Columbia usually replaces about half to two-thirds of your income. The percentage depends on your plan and insurer. Therefore, it is important to have a comprehensive understanding of the fine print.
What disabilities and illnesses are recognized under British Columbia’s disability insurance plans?
British Columbia’s disability insurance plans typically recognize a wide range of conditions. These often include serious injuries, chronic illnesses, mental health disorders, and other health issues that prevent you from working. However, coverage details vary by policy.
Can short-term and long-term disability insurance be held together in British Columbia?
Yes, residents of British Columbia can have both short-term and long-term disability insurance. Short-term coverage helps replace income during the initial weeks or months after an illness or injury. In contrast, long-term coverage provides ongoing financial support if you’re unable to work for an extended period.
Do disability insurance benefits count as taxable earnings in British Columbia?
In British Columbia, whether disability insurance benefits are taxable depends on how the premiums are paid. If you pay the premiums yourself with after-tax income, the benefits are generally tax-free. However, if your employer pays the premiums or deducts them before tax, the benefits may be considered taxable income.

Coverage Options

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1

Short-Term Coverage

Income replacement for a limited time for temporary health conditions.
2

Career Protection

Compensation if you are unable to fulfill the requirements of your job role.
3

Partial Disability Coverage

Partial benefits when you can work only part-time or with restrictions.
4

Long-Term Coverage

Coverage for extended periods, suitable for people with permanent disabilities.
5

Enhanced Protection Plan

Enhance your group plan with additional coverage for additional benefits.
6

Tailored Coverage

Obtained directly from the provider and adjusted to your requirements.

Insurya insurance company is ones the best insurance Company available to save your family’s future

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