Disability Insurance in Quebec — Protect Your Income
5.0 · 268 Google reviewsAdvisors certified by the AMFAn independent firm in Mascouche
1 in 3 workers will become disabled before age 65. Protect your ability to earn a living. Life and disability insurance: both protections in a single quote.
- Short-term, long-term or both
- Solutions for self-employed workers and employees
- Top-up to your group insurance
- MEDIC Construction (CCQ) coverage
workers will be disabled for more than 90 days before age 65
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Your income is your greatest asset
Think about it: if you earn $60,000 a year and work until age 65, your ability to earn an income is worth more than a million dollars. Disability insurance protects that asset.
Without disability insurance, being unable to work puts all of that value at risk.
Without vs. with disability insurance
Without coverage
- ✕ No income while you are disabled
- ✕ Dipping into your savings
- ✕ Risk of losing your home
- ✕ Financial stress during recovery
- ✕ Possible debt
With disability insurance
- ✓ Up to 85% of your income replaced
- ✓ Savings left untouched
- ✓ Mortgage and bills paid
- ✓ Focus on getting better
- ✓ Standard of living maintained
Will become disabled before age 65
Of income replaced
Companies compared
Cost of the service
How much does disability insurance cost in 2026?
Real monthly premiums from an insurer we compare, by monthly benefit and age, for an office worker (occupation class 3A) with a 90-day waiting period: first with benefits to age 65, the true income protection, then the short 2-year version. A more physical occupation or a shorter waiting period changes the rate: ask for your quote.
Sample rates: Disability insurance, benefits to age 65
For a non-smoking woman
| Benefit / Age | Age 25 | Age 35 | Age 45 | Age 55 |
|---|---|---|---|---|
| $1,500 / month | $23.70 | $35.40 | $75.75 | $101.25 |
| $2,500 / month | $39.50 | $59.00 | $126.25 | $168.75 |
| $4,000 / month | $63.20 | $94.40 | $202.00 | $270.00 |
For a non-smoking man
| Benefit / Age | Age 25 | Age 35 | Age 45 | Age 55 |
|---|---|---|---|---|
| $1,500 / month | $18.75 | $30.00 | $63.60 | $98.55 |
| $2,500 / month | $31.25 | $50.00 | $106.00 | $164.25 |
| $4,000 / month | $50.00 | $80.00 | $169.60 | $262.80 |
* Monthly premium of iA Excellence’s Universal Loan Insurance (accident and sickness disability insurance), surveyed on October 29, 2026 in the insurer’s illustration tool: occupation class 3A (office work), 90-day waiting period, benefits payable to age 65, premiums level to age 65, non-smoker. For guidance only: your rate depends on your occupation, your health and the insurer chosen. Get your actual rate.
Sample rates: Disability insurance, 2-year benefit period
For a non-smoking woman
| Benefit / Age | Age 25 | Age 35 | Age 45 | Age 55 |
|---|---|---|---|---|
| $1,500 / month | $13.50 | $17.25 | $32.55 | $57.00 |
| $2,500 / month | $22.50 | $28.75 | $54.25 | $95.00 |
| $4,000 / month | $36.00 | $46.00 | $86.80 | $152.00 |
For a non-smoking man
| Benefit / Age | Age 25 | Age 35 | Age 45 | Age 55 |
|---|---|---|---|---|
| $1,500 / month | $10.35 | $14.10 | $27.30 | $51.90 |
| $2,500 / month | $17.25 | $23.50 | $45.50 | $86.50 |
| $4,000 / month | $27.60 | $37.60 | $72.80 | $138.40 |
* Monthly premium of iA Excellence’s Universal Loan Insurance (accident and sickness disability insurance), surveyed on October 29, 2026 in the insurer’s illustration tool: occupation class 3A (office work), 90-day waiting period, 2-year benefit period, premiums level to age 65, non-smoker. For guidance only: your rate depends on your occupation, your health and the insurer chosen. Get your actual rate.
Who needs disability insurance?
Self-employed workers
No employer means no basic coverage. Disability insurance is the safety net you cannot do without.
Employees
Your group insurance is often not enough (only 60% of your base salary). Top it up.
Professionals
Doctors, lawyers, engineers: protect your high income with coverage tailored to your profession.
Construction (CCQ)
MEDIC Construction provides specific coverage. Check whether it is enough for your situation.
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Services financiers Finox inc.: an independent firm
A Quebec financial services firm registered with the Autorité des marchés financiers, based in Mascouche, independent from the insurers. 268 Google reviews, rated 5.0. Your information is used only to prepare your quotes; one person from our team calls you back.
Dany MichaudPartnerAMF no. 243405
Evan Juteau LapierrePartner and senior brokerAMF no. 260856
Étienne LejeuneSenior brokerAMF no. 250008
Alexandre ClémentAssociate advisorAMF no. 250201
Mathis Aubin SavardAdvisorAMF no. 277477
Cédric SénéchalDirector of strategic development and marketing
Kim CôtéProperty and casualty insurance
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Questions about Disability Insurance in Quebec
Disability insurance replaces part of your income if you can no longer work because of an illness or an injury. It pays you a monthly benefit so you can maintain your standard of living while you are unable to work.
Short-term disability insurance covers the first weeks or months of a disability (generally up to 6 months). Long-term disability insurance takes over and can cover you to age 65. Many people need both.
The CNESST only covers workplace accidents, not illnesses. The QPP offers a very modest disability benefit (roughly $1,500 a month at most). Private insurance fills the gaps in these programs and provides adequate income replacement.
Absolutely! Disability insurance is especially important for self-employed workers, who often have no group coverage at all. We offer solutions designed specifically for self-employed workers.
As a general rule, you can insure between 60% and 85% of your gross income. Your advisor will help you determine the optimal amount, taking into account your fixed expenses and your other sources of income.
The waiting period is the time between the start of the disability and the first payment. The longer the waiting period (for example, 90 days instead of 30), the lower the premium. If you have savings or an employer that covers the first few months, a longer waiting period can work in your favour.
Often not. Group insurance generally covers only 60% to 66% of your base salary (bonuses excluded), the benefit is taxable, and the coverage ends if you leave your job. A supplemental individual policy can fill those gaps.
Guide to disability insurance in Quebec
Disability insurance, also known as income protection insurance, is essential to protect your ability to earn a living. Statistically, 1 in 3 workers will be disabled for more than 90 days before age 65. In Quebec, government programs such as the QPP and the CNESST provide basic coverage, but it is often not enough to maintain your standard of living.
Life and disability insurance: both protections in a single quote
Many people look for life insurance and disability insurance at the same time: the first protects your loved ones if you die, the second protects your income if you can no longer work. Several insurers let you combine both in a single policy, or add a waiver-of-premium rider to a life insurance policy in case of disability. Indicate both needs in the form: your advisor compares the separate and combined options and shows you the real cost of each.
Disability insurance for self-employed workers in Quebec
If you are self-employed, you have no group insurance and the CNESST only covers you if you contribute voluntarily. Individual disability insurance is your only safety net. You can insure between 60% and 85% of your gross income, with a waiting period that matches your financial reserves.
Topping up your group insurance
Your group insurance at work generally covers 60% to 66% of your base salary, bonuses excluded. That benefit is taxable, which reduces the net amount even further. A supplemental individual disability policy can fill those gaps and protect up to 85% of your total income.
Disability insurance everywhere in Quebec
Our service is available in every region of Quebec: Montreal, Quebec City, Laval, Gatineau, Longueuil, Sherbrooke, Trois-Rivières, Saguenay, Lévis, Terrebonne, Drummondville, Saint-Jérôme and every municipality across the province. Whether you are self-employed, an employee, a professional or a construction worker (CCQ), our advisors certified by the AMF find the best protection for your income.
Government programs vs. private insurance in Quebec
| Program | Coverage | Maximum | Conditions |
|---|---|---|---|
| QPP (Quebec Pension Plan) | Severe disability | ~$1,500/month | Total and prolonged disability |
| CNESST | Workplace accidents | 90% of net income | Work-related accident or illness only |
| Employment Insurance (federal) | Sickness | ~$668/week | Maximum 26 weeks |
| Private insurance | Illness or injury | Up to 85% of income | To age 65, any cause |
* Based on the programs in effect in Quebec in 2026. Sources: Retraite Québec, CNESST, Service Canada.
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