Lethbridge Disability Insurance
Getting Started
Your Disability Insurance
Embarking on your journey to secure disability insurance in Alberta is straightforward and stress-free. Explore our range of coverage options—tailored to your occupation, income level, and lifestyle—and schedule a free, no-obligation consultation to find the policy that fits your needs.
Income Protection
Safeguarding Your Financial Future
Safeguarding Your Financial Future
Protect your paycheck with our disability insurance plans. Whether you face a short-term injury or a long-term illness, our policies deliver reliable income replacement so you can focus on recovery, not bills.
Explore Our Plans
Discover personalized disability insurance options that align with your employment status and budget. Our solutions provide tax-efficient benefits and flexible terms for real peace of mind.
Designed For You
Delve into coverage built with Alberta in mind—from elimination periods that match your emergency fund to benefit periods that suit your long-term goals. Find the plan that grows with your career.
Exploring Your Advantages
Benefit Highlights
Customizable Waiting and Benefit Periods
Choose elimination (waiting) periods from 30 days up to two years, and benefit periods ranging from two years to age 65—allowing you to balance premium costs with the level of protection you require
Income Replacement You Can Count On
Our policies typically replace up to 60–70 percent of your pre-disability earnings, helping you maintain your standard of living while you recover. Optional riders—such as cost-of-living adjustments and rehabilitation benefits—are available for extra security.
Claims Support
Navigating Your Disability Claim With Confidence
Filing a claim shouldn’t add stress. Our team specializes in guiding you through medical documentation, policy definitions, and insurer communications to ensure your claim is accurate, complete, and processed promptly.
FAQ
Have Questions?
Assess your monthly expenses, existing coverage (employer or government programs), desired elimination and benefit periods, and any optional riders (own-occupation, partial disability). We’ll help you compare plans side by side.
Aim to replace 60–70 percent of your gross income. Factor in essential costs—mortgage, utilities, groceries—and any government benefits you may receive. We can calculate the optimal coverage amount together.
Short-term plans kick in after a brief waiting period (often under 14 days) and typically pay benefits for up to six months. Long-term plans begin after longer elimination periods and can pay benefits up to age 65 or for a specified term.
If you pay premiums yourself with after-tax dollars, your benefits are generally tax-free. If your employer pays the premiums (or shares the cost), any benefits you receive will be considered taxable income
Yes—many individual disability policies allow you to increase coverage, adjust benefit periods, or add riders as your career and financial needs evolve.
Schedule a Free Consultation and Uncover The Benefits
Ellie Orsten
I am committed to each one of my clients to deliver “CLEAR GENUINE INSURANCE ADVICE”.
Head Office
334 12st south Lethbridge
Alberta T1J 2R1
Office Hours
Monday - Friday 08 AM - 04 PM