If illness or an accident keeps you from working, your expenses continue but your income stops. In Sorel-Tracy, a representative registered with the AMF calls you back, looks at what you already have, and compares contracts. No medical questions in the form.
Sorel-Tracy at a glance
Sorel-Tracy is at the mouth of the Richelieu River, on the Saint Lawrence.
Region: Montérégie
What is specific to Sorel-Tracy
Sorel-Tracy is known for steel, shipbuilding was a stronghold there in the 20th century, and Rio Tinto operates the former QIT Fer et Titane site there. The contract is read against your occupation: ask how it defines disability for yours.
When the contract pays
Each contract says when you count as disabled. Some pay if you can no longer do your own job, others only if you cannot do any work. The difference is huge for a nurse, a carpenter, or an accountant. The representative shows you the clause.
Employee or self-employed
An employee sometimes has group insurance through work, often limited. A self-employed person generally has nothing. The representative starts with what you have, then works out what is missing.
Why there is no price here
The price depends on your occupation, your age, the income to protect, and the number of waiting days before the first payment. Without those, a figure would mean nothing.
What follows your request
Your request goes only to the team authorized for this service. A person registered with the AMF calls you back. You remain free not to proceed; your consent is timestamped and revocable from every email you receive.