📊 Did You Know?
Most people recognize the need for home insurance, car insurance and even life insurance. But many overlook the need for disability insurance - insurance that provides a source of income if you should become ill or injured and can't work.
The fact is that disability strikes working people far more often than premature death. One in three people, on average, will be disabled for 90 days or more at least once before they reach age 65.
Source: Canadian Life and Health Insurance Association
📋 Personal Information
💰 Income Analysis
Income Projection Results
🏠 Monthly Expenses
To maintain your current standard of living, calculate your monthly expenses:
🛡️ Existing Coverage
Your Coverage Analysis
📊 Benefit Limits by Income
Non-taxable benefit limits based on annual income:
| Annual Income | Monthly Benefit Limit |
|---|---|
| $20,000 | $1,300 |
| $40,000 | $2,440 |
| $60,000 | $3,420 |
| $80,000 | $4,300 |
| $100,000 | $5,070 |
| $120,000 | $5,780 |
| $140,000 | $6,430 |
| $160,000 | $7,040 |
| $180,000 | $7,620 |
| $200,000 | $8,080 |
| $300,000 | $10,490 |
| $400,000 | $11,940 |
| $500,000 | $13,710 |
| $600,000 | $15,930 |
| $700,000 | $18,340 |
| $800,000 | $20,750 |
| $900,000 | $23,170 |
| $1,000,000 | $25,580 |
⚙️ Coverage Options
Available Riders:
✓ Cost of Living Adjustment (COLA)
✓ Additional Insurance Rider (AIR)
✓ Partial/Residual Disability Benefits
✓ Pensionguard Rider
✓ Premium Refund Rider
✍️ Client Signature
By entering your name above, you acknowledge that you have reviewed this disability needs analysis and understand the coverage recommendations.
Disclaimer: The results provided by these calculators are estimates based on the information you provide and are for educational purposes only. They do not account for all fees, taxes, or individual circumstances and are not a guarantee of future performance. We recommend scheduling a consultation to discuss your specific financial needs.