Your Income Is Your Most Valuable Asset—Protect It
Life can change in an instant. An accident, injury, or unexpected illness could make it impossible for you to work—whether for a few months or permanently. In such moments, Disability Insurance becomes your financial lifeline.
At Happy Life Insurance, we help you prepare for the unexpected by protecting your most critical asset: your income.
What Is Disability Insurance?
Disability insurance provides monthly income replacement if you're unable to work due to a physical or mental disability. This benefit allows you to continue covering essential expenses like:
It’s not just about replacing your income—it’s about maintaining your lifestyle and financial stability during difficult times.
What Is Disability Insurance?
Disability insurance provides monthly income replacement if you're unable to work due to a physical or mental disability. This benefit allows you to continue covering essential expenses like:
It’s not just about replacing your income—it’s about maintaining your lifestyle and financial stability during difficult times.
Types of Disability Insurance in Canada
There are two main types of coverage available:
1. Short-Term Disability Insurance
Covers you for temporary disabilities, typically providing income for up to 6 months. Often used after an accident or minor surgery that requires recovery time.
2. Long-Term Disability Insurance
Designed for more serious conditions or extended recoveries, this coverage kicks in after a waiting period (often 90–120 days) and can continue paying benefits for two years, five years, or until retirement age, depending on your policy.
Who Needs Disability Insurance?
Disability insurance is important for anyone who relies on their income to live—which is most of us.
It’s especially vital for:
Even if you have group insurance through work, it may not cover all your needs. Individual coverage ensures you’re protected no matter what happens in your career.
Common Myths About Disability Insurance
“I’m healthy—I won’t need it.”
Most disabilities are caused by illnesses, not accidents. Conditions like cancer, back problems, and mental health issues are among the top causes of disability in Canada.
“The government will cover me.”
While there are government benefits like CPP Disability or EI, they can be difficult to qualify for and may not be enough to cover your full living expenses.
Why Choose Happy Life Insurance?
At Happy Life Insurance, we believe in making protection clear, personal, and affordable.
Our experienced advisors will:
We’re not just selling a policy—we’re building financial confidence for the long term.
Start Today—Protect Your Income for Tomorrow
A disability can happen to anyone, at any time. But with the right plan, you can protect your income and focus on recovery—not bills.