Income protection when work isn’t possible.
An injury or illness can interrupt your ability to earn—sometimes for months. Disability insurance replaces a portion of your income so you can keep up with essentials and recover with less stress.
Varinder Randhawa (MDRT) helps clients across the GTA and Ontario build practical coverage that fits their income and responsibilities.
How Disability Insurance Works
Disability insurance pays a monthly benefit if you’re unable to work due to a covered illness or injury. It helps cover everyday costs such as:
It’s a simple way to keep your household stable during recovery.
Key Coverage Features
Policies can be tailored to your job type, budget, and goals. Common options include:
We’ll match the plan to your work and responsibilities.
Types of Disability Insurance in Canada
There are two main types of coverage:
1. Short-Term Disability Insurance
Covers temporary disabilities, typically up to six months. Useful for recovery after surgery or injury.
2. Long-Term Disability Insurance
Designed for longer recoveries. Benefits usually begin after a waiting period and can last for years or to retirement, depending on the plan.
Who Needs Disability Insurance?
It’s important for anyone who relies on their income. It’s especially helpful for:
Even if you have workplace benefits, personal coverage can fill important gaps and follow you if you change jobs.
Common Misconceptions
“I’m healthy—I won’t need it.”
Many disabilities are caused by illness, not accidents. Short‑term and long‑term conditions can affect anyone.
“Government benefits are enough.”
Programs like CPP Disability can be limited and may not replace your income. Private coverage adds a stronger safety net.
Why Choose Varinder Randhawa
You’ll get clear advice and practical coverage options:
Professional guidance, transparent advice, and support that continues after the policy starts.
Protect Your Income
Let’s build a disability plan that keeps your household stable if you’re unable to work.