Why Disability Insurance Is Essential
Imagine losing your ability to work due to an accident or illness. What happens to your monthly income? Your bills? Your lifestyle? Disability insurance ensures that even if you can’t work — your income doesn’t stop. It replaces a portion of your earnings, helping you maintain financial stability during challenging times.
What We Cover
Our comprehensive disability plans are designed to support you through temporary or long-term disability events:
-
Short-Term Disability
Covers a portion of your income for a limited period (usually up to 6 months) while you recover from a temporary illness or injury. -
Long-Term Disability
Provides income replacement for extended periods — even until retirement age — if you’re unable to return to work due to a serious medical condition or accident. -
Own-Occupation Coverage
You’ll receive benefits even if you can work in another field — as long as you can’t perform the duties of your own profession.
Why It Matters
💼 Income Continuity – Pay rent, loans, groceries, and essentials while you recover.
📉 Prevent Financial Downfall – Avoid dipping into savings, retirement funds, or going into debt.
👨👩👧👦 Family Protection – Maintain your household’s lifestyle and well-being during your absence from work.
Who Should Consider Disability Insurance?
-
Employees or freelancers who rely on steady income
-
Business owners protecting personal income
-
Medical, legal, and technical professionals with highly specialized careers
-
Anyone who wants to stay financially secure in case of a medical setback
Why Capital Crafters s?
We tailor each disability plan to your occupation, income level, and risk exposure. Our advisors guide you through benefit periods, elimination periods, and claim structures — making it easy to choose the right protection for your situation.
Get Started
Secure your income before it’s too late.
📞 Call 416.809.3632 or Book a Free Consultation today.
