Income Replacement

For most of us, our largest asset is the ability to work and earn income for our families for years to come.  Anyone who works to earn an income and depends on this income to pay for their living and lifestyle expenses faces a serious financial risk, if they are unable to continue.

The onset of a disability can negatively impact your financial goals and dreams by significantly reducing household income.  Consequently, saving levels and debt repayments are affected, resulting in a financial shortfall for your goals and dreams.

By calculating your basic income needs and considering your Canada Pension Disability and/or Group coverage amounts we can determine a personal benchmark from which to start your plan.  Benefits are usually provided on a monthly basis so that you can maintain your standard of living and continue to pay your regular expenses.

A personalized income replacement plan keeps families in their homes, children off to university, mortgage and debts repaid and retirement plans on track.