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Rahul SavaniInsurance & Investments
Rahul SavaniInsurance & Investments
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Rahul SavaniInsurance & investments · Ontario

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Insurance

Disability insurance that protects the income everything else depends on

Disability insurance pays a monthly income if illness or injury stops you from working. I help Ontario families understand what their workplace plan really covers, and add individual coverage where the gaps would hurt most.

In short

  • For families across Ontario
  • In English, Gujarati or Hindi
  • No pressure to decide
Talk to Rahul

What's included

What we’ll cover together.

Included

  • Understanding what your workplace plan does — and doesn't — cover
  • Individual coverage for professionals, trades and the self-employed
  • Waiting periods, benefit periods and definitions, in plain language

Worth a conversation if

  • Your household relies on your pay cheque
  • You run your own business or work on contract

How it works

Four clear steps.

  1. Step 1: Your income and obligations

    We look at what your household needs each month and how long your savings would last.

  2. Step 2: Review workplace coverage

    Short- and long-term disability, benefit caps, whether benefits are taxable, and what ends if you leave.

  3. Step 3: Design the right policy

    Waiting period, benefit period and the definition of disability — chosen to fit your work.

  4. Step 4: Apply and revisit

    I guide the application, then we review as your income grows or your work changes.

What does disability & income protection cost?

Premiums depend on your occupation, income, age, health, the monthly benefit, the waiting period before benefits start and how long they're paid. A longer waiting period usually lowers the cost.

How long does it take?

Applications usually involve income verification and health questions and can take a few weeks. Benefits begin after the waiting period you choose once a claim is approved.

Common questions

Disability & income protection, answered.

Doesn't EI cover me if I can't work?

EI sickness benefits help, but they are short-term and replace only part of your earnings, up to a maximum. If an illness or injury kept you from working for many months or years, disability insurance is what would continue paying a portion of your income.

What is a waiting period?

It's the time between when you become disabled and when benefits start, such as 30, 90 or 120 days. Choosing a longer waiting period lowers your premium but means relying on savings or sick leave for longer. Your emergency fund helps decide the right length.

I'm self-employed. Can I get disability insurance?

Usually, yes. Self-employed people often need it most, since there's no employer plan. Insurers will look at your occupation and business income. Individual coverage can replace part of your income and, with some policies, help with business costs while you recover.

Related services

Disability & income protection near you

Let’s talk about your family’s plans.

A relaxed first conversation about where you are and where you'd like to be. Bring your questions — and your family, if you like.

Your message comes straight to me.— Rahul

Talk to RahulCall +1 (519) 781-3594