Disability top-up

A Disability top-up is best suited in situations where your group long-term disability plan is considerably lower than your current income. It consists of combining additional coverage from an individual plan to your current group disability insurance.

Another strategy would be to implement a Salary Continuation Plan which is a grouping of individual disability insurance policies. This method can provide an attractive, cost-effective benefit for employees while taking advantage of the beneficial tax treatment allowed by the Canada Revenue Agency.