Your ability to earn income is likely your most valuable financial asset
One in four workers will experience a disability lasting 90 days or longer during their career

Disability Insurance 

Disability Insurance Services | Coigne Capital

Insure Your Greatest Asset: Your Income

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.

Comprehensive Disability Insurance Coverage Options

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:

  • Employees without employer-sponsored short-term disability
  • Self-employed professionals needing immediate income protection
  • Supplementing existing group coverage with limited benefits
  • Covering gaps between injury occurrence and long-term benefits
  • Protecting against temporary setbacks that impact work capacity

Long-Term Disability Insurance – Extended Financial Security

Long-term disability insurance provides comprehensive protection for serious health issues:

Coverage Benefits:

  • Income replacement up to 85% of pre-disability income when combined with other sources
  • Benefit periods to age 65, lifetime, or specific term lengths
  • Own occupation coverage protecting your specific profession and skills
  • Cost-of-living adjustments maintaining purchasing power over time
  • Partial disability benefits for reduced work capacity situations

Essential For:

  • Professionals with specialized skills and high earning potential
  • Individuals supporting dependents or substantial financial obligations
  • Building long-term wealth accumulation and retirement security
  • Protecting against catastrophic illness or permanent injury
  • Maintaining lifestyle and financial independence during extended recovery

Strategic Disability Insurance Benefits

Immediate Income Replacement and Financial Stability

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.

Long-Term Wealth Preservation and Protection

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.

Flexible Coverage Adaptations for Career Growth

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.

Tax-Advantaged Benefits and Efficient Structure

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.

Why Disability Insurance is Essential for Financial Security

Statistical Reality of Disability Risk

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.

Protection for High Earners and Professionals

For executives, professionals, and high-income earners, disability insurance becomes even more critical due to:

  • Substantial financial obligations including mortgages, education costs, and lifestyle expenses
  • Limited government benefits that don’t adequately replace high incomes
  • Specialized skills that may not transfer to other occupations if partially disabled
  • Business ownership responsibilities requiring income protection for continuity

Integration with Comprehensive Financial Planning

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.

Professional and Executive Coverage

  • Own occupation protection preserving your specific career and earning capacity
  • High benefit limits matching substantial income and lifestyle requirements
  • Specialty definitions tailored to professional responsibilities and skills
  • Business overhead expense coverage protecting practice or business operations
  • Key person disability insurance for business owners and partners

Self-Employed and Business Owner Protection

  • Guaranteed renewable coverage providing long-term security despite health changes
  • Business expense benefits covering fixed costs during disability periods
  • Flexible premium structures accommodating variable income patterns
  • Disability buy-out coverage facilitating business ownership transfers
  • Retirement contribution benefits maintaining RRSP and pension contributions

 

Group and Association Coverage Enhancements

  • Individual policy supplements filling gaps in employer-sponsored coverage
  • Portability features maintaining protection between job changes
  • Enhanced benefit periods extending coverage beyond group plan limitations
  • True own occupation definitions improving upon restrictive group policy terms

Connect with Us

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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