Using disability insurance

Adding a personal disability insurance plan is an effective solution. The company can also protect itself in case a key employee suffers from a disability.

It is often possible to organize the contract so that it is not considered a taxable benefit for the employee and that the premium is deductible for the company.

It is also good to note that Disability group insurance policies have many limitations. Therefore, providing a higher level of coverage for the key employee will be well appreciated. Here is a brief overview of a disability group coverage:

  • The definition of total disability changes after 24 months;
  • There is no partial disability;
  • There is no indexation;
  • Benefits are added to other revenue sources.

Click here for more details on how disability insurance works

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