Disability insurance replaces part of your income if you can no longer work. Your employer’s coverage is not the one you hold yourself. Describe your situation; an authorized person explains the gap.
What is at stake: income, not bills
Disability insurance is meant to replace part of your income; it does not reimburse specific expenses.
Group coverage belongs to the employer’s contract
The coverage depends on the job. If you leave or the employer changes the plan, it may change or end.
What can differ
The definition of disability, the wait before the first payment, how long benefits last, and how benefits are taxed depending on who pays the premium.
What you keep with an individual policy
It is tied to you, not to your job, subject to the contract’s terms.
Frequently asked questions
Can group and individual coverage coexist?
Yes. Some contracts take other coverage into account; the authorized person explains how.
Are the benefits taxable?
It depends on who pays the premium. For your case, consult a tax specialist or Revenu Québec.
Do I need to give medical details here?
No, no diagnosis is requested publicly.