Long-Term Disability Insurance | PCBi
Your ability to work and earn an income is one of your most valuable assets—and long-term disability insurance helps you protect it.
A long-term disability insurance plan provides valuable financial security for you and your family if you find yourself unable to work due to unexpected health complications.
It’s a core element of a complete personal insurance plan, especially when combined with your employee insurance benefits or workplace health insurance coverage. This type of protection ensures that your income continues—even when your ability to work doesn’t.
Some Benefits of Long-Term Disability Coverage Include:
Supporting the management of your current expenses (e.g., mortgage payments or grocery bills) and your future financial security (e.g., planning for your children’s education or for retirement)
Providing extended income protection if you are still unable to work after your short-term disability benefits (e.g., short-term disability insurance, sick leave from your employer, and EI benefits) run out
Helping to fill potential gaps in employee health insurance or group benefits
Offering the ability to tailor your plan to fit your specific situation—some disability insurance coverage can last for years, or even until you’re ready for retirement