BURNABY, BC
Disability Insurance in Burnaby
Burnaby mixes salaried professionals with a large base of trades and small business owners — two very different disability insurance situations.
Group cover is not the whole answer
A workplace plan usually caps the benefit and ends when the job does. If you are self-employed in Burnaby, there is no plan at all unless you arrange one.
What it replaces
A monthly benefit — typically 60% to 80% of gross income — for as long as you cannot perform the duties of your job, up to the benefit period you chose. It is a wage that keeps arriving, not a lump sum.
The definition decides the claim
An own-occupation policy pays if you cannot do your own job. A broader definition may require that you cannot do any job you are suited to. That difference decides whether a claim is paid.
SERVICE AREA
Available across all three provinces
Licensed across British Columbia, Alberta and Ontario — every product we arrange is available in all three. Call 604-828-7213.
Common questions
I have disability cover through work. Is that enough?
It caps the benefit, replaces only part of your salary, and ends when the job does. A personal policy closes that gap and follows you between employers.
How much of my income can I insure?
Typically 60% to 80% of gross. Insurers cap it because benefits are usually paid tax free, and replacing all of your income would remove the incentive to return to work.
How long before benefits start?
The elimination period is usually 30 to 90 days and you choose it. A longer wait lowers the premium, so match it to how long your savings would realistically last.
Get a quote for Burnaby today
Tell us what you are protecting and we will come back with real options, usually the same day.