Long Term Disability

Serious Injury or Chronic Illness

No one plans on getting sick or becoming injured, but it does happen. What can you do to minimize the devastating effects of a debilitating set-back? How can you protect your family's lifestyle if you become seriously ill? Talk to us at Caisse populaire de Clare about some of the options available to you.

Canada Pension Plan Disability

If you've contributed to the Canada Pension Plan, and have worked at least four of the last six years. You may be eligible for a disability benefit if something happens and you're no longer able to work. To qualify, you must be under the age of 65 and be considered disabled under Canada Pension Plan legislation.

If you've been severely injured or become too sick to continue working, contact Human Resources Development Canada for the details. You'll be able to find out if you're entitled to a disability pension.

Health Insurance

It's a good idea to get additional health insurance if you're the main provider of the house. It's also a good idea to get this insurance before you get sick or injured. If you wait until disaster strikes insurance costs will be extremely high. You may not be able to get insurance at all.

Disability Income Protection Service

If you're currently employed, you need to consider getting this type of insurance. It will provide you with a monthly income in the event that you're disabled in some way. The amount you'll need to pay and the amount that you'll be eligible to receive will depend on your age, current income, what type of work you do and how long you want the benefits to last after you stop working.

Long-Term Care Insurance

This insurance will help pay the costs of any long-term health care if you're unable to take care of yourself. You can get policies that will cover an extended stay in a health care facility. You can even cover the cost of having a licensed nurse or health care worker treat you in your home.