Health Insurance
PLEASE SELECT ONE OF THE FOLLOWING INSURANCE TYPES
Critical Illness Insurance
Disability & Supplemental Insurance
Long Term Care Insurance
CRITICAL ILLNESS INSURANCE
Critical illness insurance supports financially if you become sick
You will receive a lump sum payment to spend on any needs if you are diagnosed with one of the conditions covered in the policy.
For example:
If you need surgery or other procedures done in another country, that will help you cover the cost
If you’re feeling unwell, you will be able to take time off from work to get better
You will be able to cover the medical expenses which are not covered by Alberta Health (or another province or territory, depending on where you live)
You will be able to take vacation, etc.
Each policy can be different, depending on what you choose and what kind of company you are dealing with.
You are eligible to apply for Critical Illness Insurance before you turn 65 years old.
You can choose the duration of coverage: 10 years, 20 years, until 65, 75, 100 years old.
All these factors as well as the medical history of the person applying for coverage and their family (parents and siblings) will affect the insurance cost.
Critical Illness Insurance for your child
Parents can also buy Critical Illness Insurance for their children who are 30-days+ old, and coverage can be in place until the age of 25. Most insurance companies include extra 4-5 conditions for children such as:
Cerebral Palsy
Congenital heart disease
Cystic fibrosis
Cystic Muscular dystrophy fibrosis
Type 1 Diabetes Mellitus
What is the most important feature of Critical Illness Insurance?
Parents can also buy Critical Illness Insurance for their children who are 30-days+ old, and coverage can be in place until the age of 25. Most insurance companies include extra 4-5 conditions for children such as:
Pay for surgery or other procedures in another country
Take time off from work to get better
Protection for certain period of time
DISABILITY & SUPPLEMENTAL INSURANCE
Traditional Disability Insurance
(Beneva, Canada Life, Humania, Equitable Life, Industrial Alliance and others)
Traditional disability plans replace part of your income – usually up to 70% – if you become totally disabled and can’t perform your regular occupation.
Key Features:
✅ Covers Total Disability only (no benefits for partial loss).
✅ Waiting Period: Typically 14 to 120 days before payments begin.
✅ Benefit Period: From 2 years up to age 65.
✅ Occupation & Income based – your profession and verified earnings determine coverage.
PROS:
High income replacement potential (up to 70%).
Long-term protection(2, 5 years or until age 65.)
CONS:
Strict definition of “total disability.”
No coverage for partial disability.
Waiting period before benefits begin.
Supplemental Disability Insurance
Providing support to your family if you need to take time off work
Life can change in a moment. Illness or injury can stop your ability to work – but your financial commitments won’t stop with it.
Disability insurance protects your income so you can recover with confidence and peace of mind.
I collaborate with Canada’s leading companies – Industrial Alliance, Equitable Life, Humania, Beneva, Blue Cross, Canada Life, CPP, Edge Benefits, and others – to provide traditional disability solutions, and also with Combined Insurance, which offers one of the most flexible and client-focused supplemental protection plans in North America.
Living Benefits by Combined Insurance
Supplemental Insurance from Combined Insurance provides flexible, direct protection for everyone – whether you’re a business owner, employee, contractor, or stay-at-home parent.
This plan can cover you and your family and pays cash benefits directly to you – starting from the first day of accident or illness, no matter where it happens: at work, at home, or anywhere in the world.
Key Features:
✅Covers Total and Partial Disability.
✅Pays from the first day (depending on plan).
✅Not tied to occupation or income – you choose your benefit level.
✅Works as a stand-alone or supplemental plan to fill existing coverage gaps.
Pros:
Simple, fast approval process.
Immediate protection — even for minor injuries or partial loss of ability.
Can cover the “GAP” between employer coverage (55–70%) and full income.
Works as primary protection if you have no other plan.
Tax-free cash benefits paid directly to you.
Optional add-ons for:
🏥 Hospitalization
🦴 Fractures
💉 Surgeries
🚑 Ambulance and recovery benefits
Family coverage available.
⚠️ Limitations:
Benefits are fixed, not income-based.
Typically intended for short- to medium-term protection.
LONG TERM CARE INSURANCE
What will happen if you become older and cannot independently perform two or more daily living activities?
For example, you could not dress yourself or move from your bed to the sofa. What if the government support would not be enough or you would not want to burden your family?
At that point, your children will probably have a family of their own who also need to be taken care of. It has become a sensitive topic for many Canadians.
How long-term care insurance works
You can purchase this insurance on a stand-alone basis or as a rider to Life Insurance or Critical Illness Insurance.
Long-term care benefits may be paid out via one of two ways: reimbursement (you pay first, then claim your expenses) or indemnity (paid directly to the care provider).
Usually, a contract will have a maximum daily and overall limit.
Long-term care insurance covers:
In-home, assisted living
Facility services
Funds for respite benefits
Many expenses that are not covered by provincial health insurance
You Deserve Insurance That Understands Your Life and Goals
We’re committed to offering coverage that grows with you and gives you confidence every step of the way.
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