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Frequently Asked Questions
Does this insurance replace my salary?
The goal is usually to help replace a portion of your income, not necessarily 100%. The percentage and amount depend on the plan, your documented income, and the product limits.
What happens if I go back to work?
It depends on the plan. In many cases, benefits can be adjusted, reduced, or stopped based on your ability to return to work, income, and the definition of partial disability or contract recovery.
Don't jeopardize your lifestyle due to an unexpected disability. Schedule your consultation and learn about your protection options.
Protect your income stream if a medical condition prevents you from working. Disability coverage is designed to help you cope with income interruption when an illness or injury limits your ability to work. Depending on the plan, it may provide a monthly benefit for a defined period, subject to definitions, eligibility, and contract terms. Schedule an informational consultation (no cost/no obligation to purchase).
**Educational information. Benefits subject to eligibility, conditions, disability definitions, exclusions, limits, and insurer approval. Tax treatment varies; consult your CPA.**
Who is it for?
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Doctors, lawyers, business owners, and professionals whose income depends directly on their work.
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Self-employed professionals without employer benefits.
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Business owners who want to protect their personal income and family stability.
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Individuals with significant monthly financial obligations (mortgage, loans, payroll, etc.).
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Disability Coverage
How does it works?
If a medical condition occurs that meets the contract's definition of disability, the insured submits a claim with the required medical documentation and evidence. Most plans include an elimination period (waiting time) before payments begin. Once the claim is approved and the conditions are met, the plan may pay a monthly benefit for the specified period, subject to the limits, exclusions, and terms of the contract.
Key Benefits
It helps sustain financial commitments during a covered disability, according to the policy.
Benefit designed based on your occupation and income, subject to evaluation and eligibility.
Coverage options may vary: total, partial, short-term or long-term disability, depending on the product.
It may include specific occupational definitions (“own occupation” or others), if available in the plan.
Contributory treatment depends on how premiums are paid and applicable rules; it is validated with your CPA.
Stages of the Process
Profile review: occupation, income, lifestyle, and protection needs.
Plan selection: duration, definition of disability, elimination period and benefit amount, based on eligibility.
Application and issuance: process subject to subscription, medical evidence if applicable and approval of the insurer.
General support: guidance on claim requirements and documentation in case of an event.