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A person applying for disability insurance in Ontario.

Disability insurance

What would happen if you were forced to take time off of work due to an illness or injury? Would you be able to manage your expenses?

Blue Cross offers various income replacement plans designed to replace income lost because of an accident or a sudden illness.

Tangible plan: Disability insurance that transitions into long-term care coverage when you need it most

This revolutionary coverage offers the flexibility of having disability coverage during your employment years, upon retirement, your disability insurance coverage automatically transitions to long-term care coverage.

Based on your age, current health condition and your type of occupation, Tangible Disability - Hybrid Coverage can provide up to $10,000 of coverage per month.

This insurance plan has many features and options, such as a Regular Occupation benefit, that give you the flexibility to tailor your plan to your budget and coverage needs.

For more information on this product including benefits, eligibility and special features please refer to the pdf below or contact your Blue Cross insurance broker for information and a quotation.

See pdf for more details

Blue Vision plan: Comprehensive disability insurance for all of your needs

This coverage is ideal for anyone who is employed. If you are self-employed, an employee of a business that does not offer group insurance, or a business owner this program is ideal for you.

Based on your age, current health condition and your type of occupation, Blue Vision Disability insurance can offer you up to $10,000 of disability insurance per month.

Flexible waiting periods and benefit periods with Regular Occupation and Premium Refund options: Blue Vision allows you to create a plan that suits your needs and budget.

For more information on this product including benefits, eligibility and special features please refer to the pdf below or contact your Blue Cross insurance broker for information and a quotation.

See pdf for more details

Blue Vision plan – Monthly indemnity: Disability insurance for those in high-risk occupations or those without an income

If you are retired, a student, a seasonal worker, stay at home spouse, part-time employee or work in a hazardous occupation this coverage is ideal for you.

Many occupation categories that may not be eligible for traditional disability coverage are eligible under this plan.

Based on your age and current health condition this Disability insurance can offer you up to $2,000 per month in benefits.

As with all our plans, this program comes with many special features. You can choose from a selection of waiting periods and benefit periods that allow you to tailor your plan to your budget and needs.

For more information on this product including benefits, eligibility and special features please refer to the pdf below or contact your Blue Cross insurance broker for information and a quotation.

See pdf for more details

Mortgage plan: Disability insurance that protects your real estate investment

Our Mortgage Disability insurance is specifically designed to protect your mortgage or your home equity line of credit.

You can select coverage to protect your investment up to $6,000 per month for either 24 months or the duration of your loan.

Covering principle dwellings, second residences and multiplex buildings of 8 dwellings or less this product is ideal for providing the financial protection you need for your real estate investment.

For more information on this product including benefits, eligibility and special features please refer to the pdf below or contact your Blue Cross insurance broker for information and a quotation.

See pdf for more details

Express plan – Monthly indemnity: Disability insurance with no medical exam required

In the event of an accident or illness, this coverage provides you with a monthly payment to help you manage everyday expenses up to $1,000/month for 12 months.

This plan only requires a simple declaration with a few health questions in order to apply.

For more information on this product including benefits, eligibility and special features please refer to the pdf below or contact your Blue Cross insurance broker for information and a quotation.

See pdf for more details