Your ability to earn income is your greatest asset. Disability Insurance replaces a portion of your salary if an illness or injury prevents you from working. Financialsynergist advises professionals and business owners in Burlington, Hamilton, Niagara, and St. Catharines on building strong income-protection plans.
Coverage basics
- Monthly benefit based on income and occupation class.
- Waiting periods (elimination) from 30–120+ days.
- Benefit periods from 2 years to age 65 or 70.
- Definitions: own-occupation or regular occupation options.
Enhancements
- Cost-of-Living Adjustments (COLA).
- Partial/residual disability benefits.
- Future increase options without new medical underwriting.
Our process
- 1.Needs analysis: Income, fixed expenses, and employer coverage review.
- 2.Plan design: Balancing premium with robust definitions and riders.
- 3.Claims clarity: We walk through claim scenarios so you know what to expect.
Why Financialsynergist
- Independent access to leading Canadian DI carriers.
- Clear, practical advice tailored to your profession or business.
Outcome: The confidence to focus on recovery—not cash flow.