AB T4X 1V8, Canada
info@trustwiseinsurance.com
Your income is your most valuable asset — and protecting it is essential. At Trustwise Insurance, we provide comprehensive Disability Insurance in Alberta to ensure financial stability when illness or injury prevents you from working. Our plans offer monthly tax-free income replacement so you can maintain your lifestyle, cover everyday expenses, and focus on recovery without financial stress. Whether you’re employed, self-employed, or running a business, our disability insurance solutions are tailored to safeguard your income and your future.
Life can be unpredictable. A sudden illness or injury can impact your ability to work — and that can create serious financial stress for you and your family. Disability Insurance in Alberta offers a reliable safety net, providing you with monthly tax-free income replacement so you can focus on recovery without worrying about bills or expenses.
Disability insurance is a type of coverage that provides monthly income benefits if an injury or illness prevents you from working. Unlike regular health insurance, this coverage helps replace your lost income, ensuring you can maintain your lifestyle and cover essential expenses while you recover.
Not all disabilities are visible — chronic pain, mental health conditions, or long-term illnesses can also qualify for benefits.
Receive monthly income — Payments start after the waiting period and continue until you recover or the benefit period ends.
Your ability to earn an income is one of your most valuable assets. Over the course of a career, it can add up to millions of dollars. Disability insurance ensures that even if you can’t work, your income is protected.
| Annual Salary | Earnings Over a 30-Year Career* |
|---|---|
| $70,000 | $3,800,000 |
| $120,000 | $6,500,000 |
| $200,000 | $10,900,000 |
*Assuming a 2.5% annual raise.
| Annual Income | Maximum Monthly Benefit* |
|---|---|
| $50,000 | $2,975 |
| $100,000 | $5,200 |
| $200,000 | $8,550 |
| $500,000 | $16,050 |
*Estimated tax-free monthly benefits.
Many Albertans have basic group coverage through their employer — but that’s often not enough. A personal disability insurance plan provides more control, flexibility, and higher coverage limits.
| Feature | Group Coverage | Personal Coverage |
|---|---|---|
| Coverage Amount | Limited, basic | You choose the amount |
| Flexibility | Employer decides | Fully customizable |
| Portability | Ends if you leave your job | Stays with you |
| Cost Stability | May change annually | Locked-in rates |
| Supplementation | Limited | Can top up group benefits |
Best practice: Combine both group and individual coverage for maximum protection.
A: Even healthy individuals can face unexpected accidents or illnesses. Disability insurance ensures your income is protected if the unexpected happens.
A: No. The cost of personal disability insurance is not tax-deductible. However, the benefits you receive are tax-free.
A: Typically, coverage is around 60–85% of your income. If your salary is $50,000, you might qualify for around $3,000 per month in benefits.
A: Yes. As long as your policy is active and within the benefit period, you can file claims for different incidents.
A: Unlike group coverage, your personal disability insurance stays with you, regardless of employment changes.
Don’t wait to protect your guests. Partner with Trustwise Insurance, your local source for Disability Insurance in Alberta , and secure high-quality protection. We deliver the expertise and exceptional service you expect from a local, trusted insurance provider.
Call our dedicated Beaumont insurance agent at +1 (780) 255-5151 for a direct consultation or click below to start your free quote!