Disability Insurance

Answers to the questions Alberta and BC employers and individuals ask most about group benefits, life insurance, and disability coverage — from an independent, former-underwriter perspective.

For RMTs, the work itself is the risk. A career built on the hands, shoulders, and back is also a career most vulnerable to losing them. Why this FAQ exists Massage therapists in Alberta and BC face an insurance picture most professionals don't: high physical occupational demand, predominantly self-employed income, and association benefit packages that cover some risks well and leave others wide open. This FAQ answers the questions we hear most often from RMTs thinking about

Mike spent twelve years at a Calgary engineering firm, then went independent. Eighteen months later, he had a stroke — and learned what most self-employed Albertans and British Columbians don't until too late.

Self-employment in Alberta and BC has grown faster than the population for two decades — but income protection has not kept pace. When you left the corporate world to go independent — or set up the corporation that now signs your paycheques — you replaced a lot of things. A boss. A commute. A manager telling you when you could take vacation. You also replaced an entire benefits stack, even if nobody pointed that out at the time. Most self-employed and incorporated professiona

If you couldn’t work for a few months, how would you pay the bills? This short case study shows how a Calgary electrician used individual disability insurance to protect his income—and what choices made the biggest difference. Mark, a self-employed electrician in Calgary, explores income protection options. Client Snapshot Name: Mark (38), self-employed electrician in Calgary Income: ~$95,000/year (avg of last 2 years) Family: Partner + 2 kids Savings: ~3 months of expenses C

Being self-employed or running a small business can be incredibly rewarding. You get to be your own boss, set your own hours, and pursue your passions. However, it comes with significant challenges. One crucial aspect to consider is how to protect yourself and your family from unexpected events. This is where a long-term disability policy becomes vital. In this blog post, we will explore why having a reliable long-term disability policy is essential for self-employed individu