Skip to main content

How Canada Life is supporting you during COVID-19. Learn more

The Great-West Life Assurance Company, London Life Insurance Company and The Canada Life Assurance Company have become one company – The Canada Life Assurance Company. Learn more

The Great-West Life Assurance Company, London Life Insurance Company and The Canada Life Assurance Company have become one company – The Canada Life Assurance Company. Learn more

Your web browser is out-of-date. For the best experience, please update to a modern browser like Chrome, Edge, Safari or Mozilla Firefox.

Disability insurance provided by your employer or association works when you can’t, giving you a tax-free monthly payment to replace your income. While a disability can often be visible to the naked eye, not all disabilities are so easily recognized. Chronic pain or a mental health issue can also qualify as a disability. 

It’s usually more affordable than a personal disability policy. But you have less flexibility to tailor your coverage to your needs and you typically can’t take coverage if you leave.

What types of workplace disability are there?
Short-term disability insurance
Long-term disability insurance
How long does it last?
Up to 6 months
Extended periods until age 65
How long do you have to wait before receiving benefits?
Less than 14 days
Typically 90-120 days
How much of your gross monthly income can it replace?
Up to 80%
Up to 60%

You can easily submit your disability claims, check your coverage and visit our health and wellness site with GroupNet for plan member and the mobile app.

Nobody wants the physical, emotional and financial stress of a disability so we try and prevent it before it happens. But if you do experience a disability, we'll help you with a recovery plan to get you back to work.

We work quickly to find someone who will guide you through the process, keep you positive and help you recover to go back to work.

Workplace insurance is a great start, but it usually only provides basic coverage. A personal disability policy complements your existing coverage – together, they can help protect you, your family and your lifestyle should the worst happen.

Workplace coverage
Individual coverage
How much coverage do you get?

Coverage amounts are often limited

You choose your coverage amount

How flexible is it?

Your employer often picks the coverage options

You choose the coverage amount and how long you need it

Can you change your coverage?

Typically, you can make changes once a year or if there’s a life-changing event

Yes, you can adjust coverage

What happens if you leave your employer?
Your coverage ends unless there’s an option to convert to individual coverage

Your coverage stays the same because it’s not tied to a job or membership

How much does it cost?

Typically, it’s low cost

Typically, it’s a higher cost than workplace coverage 

Will the cost ever change?

Costs can change every year

Costs stay the same for the duration of your policy

Learn more about disability insurance

Canada Life has been paying claims for 150 years. Work with one of our trusted advisors to help build a plan for you.