If illness or an accident keeps you from working, your expenses continue but your income stops. In Val-David, a representative registered with the AMF calls you back, looks at what you already have, and compares contracts. No medical questions in the form.
Val-David at a glance
Val-David is a village in the Laurentides region (MRC Les Laurentides).
Region: Laurentides
What is specific to Val-David
Many painters, sculptors and writers have settled in Val-David, and an annual ceramics symposium draws potters. If you work for yourself, ask how the contract defines disability for your occupation.
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.