Sergio A. Paier | sergio.paier@gmii.ca
Your ability to earn an income is likely your most valuable asset, yet it’s often the least protected. At Coigne Capital, we provide comprehensive disability insurance solutions that safeguard your financial future when illness or injury prevents you from working. Our tailored coverage ensures you can maintain your lifestyle and meet financial obligations during unexpected health challenges.
Whether you’re a young professional building wealth, an executive with substantial financial responsibilities, or a business owner whose income fluctuates, our disability insurance specialists design personalized coverage that protects your earning capacity and preserves your long-term financial goals.
Short-Term Disability Insurance – Immediate Income Protection
Short-term disability insurance provides crucial financial support during temporary health challenges:
Coverage Features:
Income replacement typically 60-70% of your gross income
Benefit periods ranging from 3 months to 2 years
Short elimination periods often 0-14 days before benefits begin
Broad coverage for illness, injury, and pregnancy-related disabilities
Quick claim processing for faster benefit delivery
Ideal For:
Long-Term Disability Insurance – Extended Financial Security
Long-term disability insurance provides comprehensive protection for serious health issues:
Coverage Benefits:
Essential For:
Disability insurance ensures steady income flow when you cannot work, helping you maintain your lifestyle and meet financial obligations. By replacing a significant portion of your lost income, you can focus on recovery without the added stress of financial strain or depleting emergency savings.
Disability coverage prevents the depletion of your savings, investments, and retirement accounts during health challenges. It acts as a crucial financial safeguard, protecting your wealth-building efforts and ensuring your long-term financial plans remain on track despite temporary setbacks.
Our disability insurance policies offer adjustable coverage options to accommodate changing career paths, income levels, and professional responsibilities. As your circumstances evolve, we ensure your protection aligns with your current financial situation and future goals.
Individually-owned disability insurance benefits are typically tax-free, providing more effective income replacement than group coverage. This tax advantage, combined with portable coverage that follows you between jobs, creates superior financial protection compared to employer-sponsored plans alone.
The probability of experiencing a disability during your working years is much higher than most people realize. According to the Social Security Administration, more than 1 in 4 workers will experience a disability lasting 90+ days before retirement age, making disability insurance crucial for comprehensive financial protection.
For executives, professionals, and high-income earners, disability insurance becomes even more critical due to:
Disability insurance works alongside your investment portfolio, retirement planning, and estate strategies to create comprehensive financial security. It ensures that temporary health challenges don’t derail decades of wealth-building efforts and financial planning progress.
Start your journey toward financial excellence and legacy building with Coigne Capital. Visit our website to schedule a consultation, subscribe to our newsletter for insights and updates, and follow us on social media for the latest financial news and tips. Together, let’s unlock your wealth’s potential and secure a prosperous future.
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