Your ability to earn an income is one of your most valuable assets. But what happens if an illness or injury prevents you from working for months—or even years? Disability Insurance provides monthly income replacement so you can stay financially stable while focusing on recovery.
At Hilltop Financials, we help Canadians find disability plans that protect their income, lifestyle, and long-term financial goals.
Whether you’re employed, self-employed, or a business owner, we compare the best options from top Canadian insurers and tailor the coverage to your specific needs.
Disability insurance provides a monthly income benefit if you cannot work due to an injury, illness, accident, or medical condition. This benefit replaces a percentage of your regular income—typically 60% to 85%, depending on the plan.
Even a short-term disability can create financial strain. Disability Insurance ensures you can continue paying for essential expenses like
It protects your income so your financial goals don’t fall apart while you heal.
Canadians have multiple options for disability protection, and choosing the right plan depends on your job, income, and lifestyle. Hilltop Financials helps you understand each option clearly.
Short-term disability provides income replacement for the first 3–6 months of a disability.
Ideal for:
Benefits:
Long-term disability kicks in after the STD period and can provide income for years, often up to age 65.
Ideal for:
Benefits:
Perfect for self-employed professionals, contractors, gig workers, and anyone without employer benefits.
Advantages:
Stronger definitions of “disability” than employer plans
If your workplace offers disability benefits, we can review your existing plan and determine whether:
We also create group plans for small businesses.
Understanding how insurance companies define disability is crucial. This affects whether you qualify for benefits.
You qualify for benefits if you can’t perform the duties of your specific job, even if you could work in another role.
A surgeon injures their hand and can no longer perform surgery—but could teach medicine. They still receive disability benefits.
This is the strongest and most flexible protection.
You qualify only if you cannot perform any reasonable job based on training, education, or experience.
This is cheaper but more restrictive.
Hilltop Financials helps you choose the best protection for long-term security.
Both protect your finances, but in different ways
Most Canadians benefit from a combination of both.
Coverage is customized according to your income and financial obligations. Most Canadians choose a benefit amount that equals 60–70% of their gross monthly income.
We provide a personalized needs analysis to determine the right amount.
Don’t wait until an illness or injury threatens your livelihood. Protect your income and secure your financial future with the right disability insurance plan.
