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Disability Insurance Program For OSOT Members

OSOT

Exclusive Disability Insurance Program For OSOT Members

Ontario Society of Occupational Therapists Members Save 20%, Only Until December 31!

OSOT

Exclusive Disability Insurance Program For OSOT Members

Ontario Society of Occupational Therapists Members Save 20%, Only Until December 31!

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ABOUT DISABILITY INSURANCE

Regardless of what job you have, if you rely on a paycheck, you need to at least consider disability coverage.

What is Disability Insurance?

Disability insurance protects your income if you’re unable to work because of a serious physical injury or ailment. Payments can be short-term or long-term and will end when you start working again or retire.

Whether it’s a temporary or permanent injury / ailment, you’ll receive anywhere from 60-85% of your monthly salary (tax-free!) up to a specified period of time.

Who needs Disability Insurance?

Everyone. But especially you if you:

  • Work in an injury-prone or physically intensive position;
  • Earn a high income or are in a specialized role (higher earnings, higher expenses);
  • Are self-employed (you might not have access to traditional employer benefits);
  • Have dependents (who else would support your family?);
  • Have no dependents (who’d support you?).

Why do I need Disability Insurance?

Serious injuries aren’t just stressful; they’re also financially draining. Even a week or two without a paycheck is tough for most people and in the absence of a salary, your savings can dry up quickly.

Depending on your condition, you might need medication, medical equipment, outside care, or long-term physiotherapy. Not to mention all the indirect costs of living with a disability, like travel expenses, childcare, and cleaning services. On top of that, there’s your mortgage. And your loans. And groceries.

We get it. It’s hard to picture a future where you can’t work if you’re in perfect health right now. But you never know when you’ll suffer a disability. Even a small accident or fall on your way home can leave you hospitalized or bedridden for months. And the stress of worrying about the money for your next bill might make you even sicker.

Your best bet? A private, portable plan (possibly through your association) where you can customize coverage to your needs. That’s where we come in. PROLINK will help you protect your greatest assets—your home, your car, and most importantly, your earning power—so you can focus on what’s most important—your recovery.

ABOUT DISABILITY INSURANCE

Regardless of what job you have, if you rely on a paycheck, you need to at least consider disability coverage.

What is Disability Insurance?

Disability insurance protects your income if you’re unable to work because of a serious physical injury or ailment. Payments can be short-term or long-term and will end when you start working again or retire.

Whether it’s a temporary or permanent injury / ailment, you’ll receive anywhere from 60-85% of your monthly salary (tax-free!) up to a specified period of time.

Who needs Disability Insurance?

Everyone. But especially you if you:

  • Work in an injury-prone or physically intensive position;
  • Earn a high income or are in a specialized role (higher earnings, higher expenses);
  • Are self-employed (you might not have access to traditional employer benefits);
  • Have dependents (who else would support your family?);
  • Have no dependents (who’d support you?).

Regardless of what job you have, if you rely on a paycheck, you need to at least consider disability coverage.

Why do I need Disability Insurance?

Serious injuries aren’t just stressful; they’re also financially draining. Even a week or two without a paycheck is tough for most people and in the absence of a salary, your savings can dry up quickly.

Depending on your condition, you might need medication, medical equipment, outside care, or long-term physiotherapy. Not to mention all the indirect costs of living with a disability, like travel expenses, childcare, and cleaning services. On top of that, there’s your mortgage. And your loans. And groceries.

We get it. It’s hard to picture a future where you can’t work if you’re in perfect health right now. But you never know when you’ll suffer a disability. Even a small accident or fall on your way home can leave you hospitalized or bedridden for months. And the stress of worrying about the money for your next bill might make you even sicker.

Your best bet? A private, portable plan (possibly through your association) where you can customize coverage to your needs. That’s where we come in. PROLINK will help you protect your greatest assets—your home, your car, and most importantly, your earning power—so you can focus on what’s most important—your recovery.

Disability Insurance Coverage Highlights

FEATURES


Coverage for Regular Occupation to Age 65

Receive coverage if you are considered disabled and unable to perform the duties of your regular occupation (i.e. OT) until age 65.

*Can be added to Foundation Series for an additional cost.

Total Disability Benefits

Receive a monthly benefit up to a certain limit in the event of an injury that prevents you from working.

Partial and Residual Disability Benefits

Receive a monthly benefit (subject to policy rules) if you can only work part-time because of an illness or injury.

Choice of Benefit Periods

Determine whether you want to receive benefits for two years, five years, or until age 65.

Return to Work Assistance Benefits

Access services like rehabilitation, on-site training, and more, to help you get back to work.

Non-cancellable

Benefit from consistent premiums and coverage. Your insurer cannot change the policy or premiums or cancel the policy until age 65.

Recovery Benefit

Receive a portion of your monthly benefit for up to four months following your return to work after a total or residual disability, or two months following a partial disability, if you experience a decrease of 20% or more in your earnings.

Medical Confidence™ Service

Access faster care and treatment from specialists, 1:1 support from RNs, and more.

Long-Term Care Conversion Option

Convert all (or some) of your coverage to long-term care insurance from age 55-65, without needing to provide evidence of good health.

Waiver of Premium During Disability

You will not have to pay your premium if you are disabled and receiving your benefits.

Portable

Keep your policy, even if you change jobs.

PROFESSIONAL SERIES

FOUNDATION SERIES

Please note the above chart offers general information only. It is not meant to be exhaustive nor will it apply to all policies, individuals, situations, or circumstances. Limits and exclusions apply. Please contact a licensed insurance representative for information or advice on all insurance-related matters.

Disability Insurance Coverage Highlights

FEATURES


Coverage for Regular Occupation to Age 65

Receive coverage if you are considered disabled and unable to perform the duties of your regular occupation (i.e. OT) until age 65.

*Can be added to Foundation Series for an additional cost.

Total Disability Benefits

Receive a monthly benefit up to a certain limit in the event of an injury that prevents you from working.

Partial and Residual Disability Benefits

Receive a monthly benefit (subject to policy rules) if you can only work part-time because of an illness or injury.

Choice of Benefit Periods

Determine whether you want to receive benefits for two years, five years, or until age 65.

Return to Work Assistance Benefits

Access services like rehabilitation, on-site training, and more, to help you get back to work.

Non-cancellable

Benefit from consistent premiums and coverage. Your insurer cannot change the policy or premiums or cancel the policy until age 65.

Recovery Benefit

Receive a portion of your monthly benefit for up to four months following your return to work after a total or residual disability, or two months following a partial disability, if you experience a decrease of 20% or more in your earnings.

Medical Confidence™ Service

Access faster care and treatment from specialists, 1:1 support from RNs, and more.

Long-Term Care Conversion Option

Convert all (or some) of your coverage to long-term care insurance from age 55-65, without needing to provide evidence of good health.

Waiver of Premium During Disability

You will not have to pay your premium if you are disabled and receiving your benefits.

Portable

Keep your policy, even if you change jobs.

PROFESSIONAL SERIES

FOUNDATION SERIES

Please note the above chart offers general information only. It is not meant to be exhaustive nor will it apply to all policies, individuals, situations, or circumstances. Limits and exclusions apply. Please contact a licensed insurance representative for information or advice on all insurance-related matters.

Things Our Clients Asked About

What our clients are saying

Premium Indicator

The premiums indicated below are based on the Professional Series Disability Insurance Plan, for a non-smoking woman, earning $75,000 annually and receiving a monthly benefit of $4,175. It is important to note that these premium rates are guaranteed until age 65 and cannot be cancelled or changed by the insurance company. That means, if you buy your policy at a younger age, you will continually pay less on a yearly/monthly basis than if you wait until you are close to retirement.

(Slide the arrows left and right to view premium details)

Get In Touch

To speak to a professional who can guide you to the right coverage from the right insurer at the right price call us at:

1-800-663-6828

or email us at:

Get In Touch

To speak to a professional who can guide you to the right coverage from the right insurer at the right price call us at:

1-800-663-6828

or email us at:


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      Personal InsuranceCommercial EnterpriseAssociations & Affinity GroupsLife & Benefits

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