Disability Insurance

Navigating Life’s Challenges with Disability Insurance Protection

Securing Your Future with Disability Insurance Tailored to You

What would happen to you and your family if you were to get into an accident? Imagine the potential impact on your lifestyle and future plans if a sudden disability disrupts your life. Our Disability Insurance provides a financial safety net, ensuring you can sustain your current lifestyle without compromise.

When you invest in disability insurance, you’re securing a monthly benefit tailored to your income level, offering peace of mind in the face of unforeseen challenges. The elimination period, a timeframe determined by you (30, 60, or 90 days), precedes the initiation of benefits, allowing you to customize your coverage for a seamless and reliable safeguarding of your financial well-being.

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A man adjusts a brace on his lower leg.

Designed With Your Future in Mind

Navigating the diverse landscape of disability insurance can be daunting, but at Specialized Benefits, we simplify the process by partnering with reputable carriers. Whether you’re a tradesperson, a professional, or a self-employed individual, our plans offer coverage tailored to you.

From the virtually guaranteed injury coverage of The Edge Benefits to the innovative features of carriers like Manulife Financial, Great-West Life, and more, we ensure you have a safety net aligned with your specific needs. Explore disability insurance with one of our expert insurance brokers to safeguard your financial well-being.

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Frequently Asked Questions

What does disability insurance cover?

Disability insurance provides financial support if you become disabled and cannot work. It typically covers a portion of your income, helping you maintain your lifestyle during the disability.

How do I determine the right amount of coverage for me?

The ideal coverage amount depends on your lifestyle, expenses, and financial goals. Specialized Benefits will assist you in evaluating your needs to ensure adequate coverage.

Can I customize my disability insurance plan?

Yes, our plans are flexible. You can tailor your disability insurance to match your specific needs, ensuring you have the coverage that matters most to you.

What is the elimination period, and how does it affect my coverage?

The elimination period is the time you must wait after becoming disabled before receiving benefits. You decide the duration, with options ranging from 30 to 90 days.

Can I get disability insurance if I'm self-employed or work in a specialized field?

Absolutely. Specialized Benefits offers disability insurance for self-employed individuals and those in various professions. We have plans designed to meet the unique needs of tradespeople, professionals, and others.

Are there additional benefits or riders available with disability insurance?

Yes, you can enhance your disability coverage with optional riders. These may include return of premium riders, future insurability riders, and specific plans tailored for professionals, tradespeople, or new graduates.

Empowering Your Financial Future
with Specialized Benefits

How is Disability Defined?

Understanding the definition of disability is important. Does your policy cover you if you can work in another occupation? What about part-time work or partial disability? We ensure that all of these points are addressed in your disability benefits contract for comprehensive protection.

Information Updates

In a dynamic insurance landscape, staying informed is key. Our knowledgeable team keeps abreast of industry changes to provide you with the latest insights. Trust us to navigate the evolving disability insurance marketplace and find policies tailored to your specific needs.

How Much Do You Qualify For?

Whether you’re an employee or self-employed, we have disability insurance plans that consider various income sources. We provide detailed information on how much coverage you qualify for, accounting for T4 income, dividends, income splitting, and bonuses.


Is your contract flexible and integrated with government and spousal benefits? Are you receiving optimal value? Our experts, well-versed in the industry, address these concerns. We tailor disability insurance policies to meet your unique needs, ensuring maximum flexibility and value.

Empowering Your Financial Future with Specialized Benefits

Maximize your financial security with Specialized Benefits. Our disability insurance plans are crafted to provide comprehensive coverage, safeguarding your income and lifestyle in the face of unexpected disabilities.

Benefit from our team’s continuous updates on industry changes. This means you’re always equipped with the latest insights, ensuring your disability insurance plan aligns with evolving needs and regulations.

Receive coverage that is comprehensive and tailored to your specific needs. We consider various income sources, providing detailed information on the coverage you qualify for based on T4 income, dividends, income splitting, and bonuses.

Flexible solutions integrated with government and spousal benefits. Our experts ensure that your disability insurance contract is flexible and aligned with your unique circumstances, providing you with optimal value and adaptability.

Gain peace of mind through customized disability insurance policies. We understand that one size doesn’t fit all, and our tailored approach ensures your coverage aligns perfectly with your life, providing you with maximum flexibility.

Safeguard your future with virtually guaranteed injury coverage, flexible plans, and solutions ideal for various professions, including tradespeople and the newly self-employed. Your disability insurance protects your income and financial well-being.

See What Others Are Saying About Specialized Benefits


#15, 2016 Sherwood Drive, Sherwood Park, AB T8A 3X3

Contact Info

Phone: 780-416-7911

Hours of Operation

Monday: 9:00 am – 5:00 pm
Tuesday: 9:00 am – 5:00 pm
Wednesday: 9:00 am – 5:00 pm
Thursday: 9:00 am – 5:00 pm
Friday: 9:00 am – 5:00 pm
Saturday: Closed

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