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Disability Income Replacement Plan

If a disabling illness or accident left you unable to work, how long could you continue to meet your financial responsibilities? Not only could your paycheque stop and your savings dry up, but you may find yourself burdened with extra medical and home care expenses with no way to pay for them.

That's why Engineers Canada sponsors this essential protection for your most valuable asset — your income. This affordable disability insurance plan can provide you with a generous monthly benefit to replace lost income if a serious illness or accident keeps you from making a living.

Extra features at no extra cost
Unique features make this coverage more valuable:




NEW! Compassionate Care Benefit





Future Increase Option Benefit





Waiver of Premium





Automatic Cost of Living Adjustments





Death Benefit





Guaranteed Re-entry





Coverage Between Jobs





Conversion Provision


How benefits are paid
This comprehensive Plan covers you for 6 types of disability:




Total Disability Benefit





Residual Disability Benefit





Partial Disability Benefit





Presumptive Disability





Recurring Disability





Catastrophic Loss


Determine the benefit amount you can apply for
The Plan provides a monthly benefit payment while you are disabled and unable to perform your occupation. Choose coverage from $500 up to $10,000 in monthly benefits, based on a percentage of your monthly earnings, as follows: more...

NEW! Enhance your existing group disability plan
If you're covered under an employee group disability plan but it isn't giving you the coverage you need, you can 'top up' your coverage by adding Disability Income Replacement Insurance equal to the difference between the benefit your current plan provides and additional amounts available based on your earnings. more...

Eligibility
All applicants must be resident in Canada and under 65 years of age. The following individuals are eligible to apply: more...

Rates
See the rates that apply to you, or or let us provide you with a free instant quote.

Learn more
For more information, please read our case study and frequently asked questions.

Limitations and exclusions
Your insurance does not cover:
  • self-inflicted injury, while sane or insane;
  • war or any act of war;
  • active full-time service in the armed forces of any country or international organization, or
  • committing or attempting to commit an assault or criminal offence.

Your authorized insurance representative is always ready to discuss this Plan with you, to help you determine what coverage best suits your needs and to help you complete your application. You can get in touch with your local representative today.



Engineers Canada-sponsored insurance plans are underwritten by The Manufacturers Life Insurance Company (Manulife Financial).
 
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