Disability and Income Replacement Insurance
Superior Program
Product description and features
The Superior Program is individual disability insurance that pays a non-taxable benefit to help your clients maintain their lifestyle in the event of an illness or accident or, if they prefer, in the event of accident only.
The Superior Program offers the following coverage:
- A monthly benefit of $500 to $15,000 to cover a period of disability
- Overhead expense insurance for businesses of up to $15,000
This product offers comprehensive coverage for all workers, self-employed workers and employees alike,
and 24-hour coverage against accident or illness, whether at work, at home or enjoying leisure activities.
The premium is based on the worker’s occupation and varies according to six occupational classes,
including a class for occupations that are traditionally not eligible for disability insurance.
Available in
-
Additional benefits, free of charge:
- Rehabilitation program
- Maintenance of coverage when remunerative work ceases
- Waiver of premiums
- Occupational class enhancement
- Residual disability benefit
- Organ donation benefit
- Additional three months of benefits in the event of death resulting from a disability
- Additional assistance services
- Extension of the disability insurance coverage following an accident to age 75
- Guaranteed renewal
- Choice of the type of benefits: integrated benefits, non-integrated benefits, or a combination of the two; guaranteed benefits; automatic increase in benefits.
- Self-employed workers
- Employees
- Business owners
- Workers 18 to 59 inclusively, Canadian citizens and residents. Must meet certain selection criteria.
Optional protection :
- Expanded definition for seasonal or contractual workers
- Partial disability option
- Extension of the "regular occupation" period
- Retroactive benefit
- Indexation of disability benefits
- Return of premiums
- Accidental death, dismemberment or loss of use
- Accidental fracture
- Extended medical care further to an accident
- Travel insurance