Protecting Income, Supporting Recovery, and Strengthening Employee Well-Being
When an illness or injury prevents an employee from working, Disability Insurance ensures financial stability while they focus on getting better. For employers, it’s one of the most powerful ways to protect your team’s livelihood and demonstrate long-term care.
Group Disability Insurance replaces a portion of an employee’s income if they’re unable to work due to injury or illness — providing essential financial support during recovery. It helps maintain their lifestyle, cover household expenses, and relieve stress during uncertain times.
Workplace Benefits partners with Canada’s top insurance carriers — including Manulife, Sun Life, Canada Life, and Desjardins — to build tailored disability solutions that meet your organization’s needs. We proudly serve employers across Alberta, British Columbia, and Ontario, offering local expertise with national strength.
Why Disability Insurance Matters
For Employees
Provides financial stability when unable to work.
Covers everyday expenses such as rent, mortgage, or groceries.
Supports mental and physical recovery by removing financial pressure.
Reinforces trust and loyalty toward their employer.
For Employers
Builds a culture of care and responsibility.
Helps retain valuable employees during difficult times.
Demonstrates long-term investment in staff well-being.
Reduces workplace stress and absenteeism through structured support.
When employees know they’re protected, they’re more engaged, focused, and confident — even in life’s toughest moments.
Types of Disability Coverage
Group disability plans typically include two main types of coverage:
Basic Critical Illness Insurance
Core coverage for the most common serious conditions such as cancer, heart attack, or stroke.
Enhanced or Comprehensive Plans
Broader protection including organ transplants, multiple sclerosis, or paralysis.
Optional Employee-Paid Coverage
Allows employees to increase their coverage amount at group rates.
Family Coverage Options
Extend protection to spouses and dependents for complete household security.
We help employers choose the right balance between premium cost and protection level — ensuring fairness, flexibility, and value.
What’s Typically Included
Group Critical Illness plans often include coverage for:
Income replacement up to 66⅔% of salary
Coverage for both illness and injury (on or off the job)
Short-term and long-term options
Rehabilitation and return-to-work support
Partial disability and relapse protection
Integration with Employment Insurance (EI) or CPP Disability
Premium waivers during periods of disability
Optional top-ups for executives or specific roles
Workplace Benefits ensures every component is clearly defined, transparent, and aligned with your company’s goals.
How Workplace Benefits Works With Employers
Our streamlined approach ensures your benefits program is transparent, competitive, and sustainable.
Assess
We learn about your workforce, industry, and current benefits.
1
Compare
We evaluate multiple plans from leading carriers for best coverage and rates.
2
Customize
We tailor a disability plan that fits your team’s unique needs.
3
Support
We provide ongoing claims assistance, renewals, and employee education.
4
Because Workplace Benefits is an independent brokerage, we represent your interests — not the insurer’s — ensuring impartial advice and maximum value.
Why Choose Workplace Benefits
Independent Expertise
Independent broker with access to all major insurance carriers
Tailored Solutions
Custom benefit designs for small and large organizations
Dedicated Support
Deep expertise in disability, life, and health coverage
Cost Optimization
Transparent guidance and proactive cost management
National Reach
Responsive, ongoing support across AB, BC, and ON
Frequently Asked Questions
Everything you need to know about employee health benefits
What’s the difference between short-term and long-term disability insurance?
Short-term coverage helps during temporary absences (weeks or months), while long-term disability supports employees unable to work for extended periods or permanently.
Is disability insurance taxable?
Employer-paid premiums may result in taxable benefits, but employee-paid coverage typically pays tax-free benefits. We’ll help you structure it correctly.
Does disability insurance cover mental health conditions?
Yes, most modern plans include mental health coverage for conditions like depression or anxiety, recognizing that disability isn’t always physical.
How much coverage do employees receive?
Most plans replace between 60% and 70% of pre-disability income, but this can be customized.
Can employees purchase additional coverage?
Yes, many employers offer optional top-up coverage so employees can increase protection at affordable group rates.
Get Started with Group Critical Illness Coverage
Protect your employees and demonstrate your commitment to their health and future. Whether you’re creating a new plan or reviewing an existing one, Workplace Benefits will help you find the most effective, affordable group critical illness coverage in Canada.
Workplace Benefits designs cost-effective employee benefits & retirement plans across Alberta, BC & Ontario—helping businesses protect teams, control costs, and retain top talent.
.svg)
.svg)
.svg)
.svg)
.svg)
.svg)
.svg)
.svg)
.svg)