Protect your ability to earn.
Income replacement, loan repayment and top-up coverage if illness or injury keeps you from working.
Accident disability top-up
Could you afford months without a paycheque?
Many professionals have disability coverage through Edge Benefits, but it may not fully replace your income if an accident stops you from working. A top-up plan adds monthly income to help cover your mortgage or rent, household bills, vehicle payments and everyday family costs. A disability review only takes a few minutes.
- Dental professionalsHygienists, dental assistants, denturists and office staff.
- Business owners and the self-employedWhen your income is the household’s safety net.
- Truck drivers and contractorsWork where an injury can stop the paycheque.
- Healthcare and office workersEspecially with limited group benefits.
Why disability coverage is a must.
If an illness or injury kept you from working for six months, how would the mortgage get paid?
Disability insurance answers that question before you ever have to ask it.
- Your biggest asset is your incomeOver a career it adds up to far more than your home.
- Off-the-job mattersWorkers' compensation only covers injuries at work, not illness or weekend accidents.
- Self-employed need it mostNo employer plan, no sick days.
Your plan in three steps.
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Needs analysis
We work out the income you need to protect, and what you already have.
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Compare insurers
Definitions, waiting periods and benefit periods, side by side.
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Protect and review
We set up your plan and revisit it as your income grows.
Questions we hear often.
Plain answers. If yours isn't here, ask us directly.
Ask an advisorOften not. Group plans may cap benefits, end when you change jobs, or be taxable. A top-up plan can close the gap.
Yes. Individual and association plans are built for the self-employed, and we compare both.
The time between becoming disabled and receiving benefits, commonly 30 to 120 days. A longer wait lowers the premium.
It pays if you cannot do your own job, even if you could do another. It matters most for specialized professions.
Protect your income, protect your future.
A short conversation, at a time and place that suits you. No pressure, no obligation.