Disability top-up

A Disability Top-up consists of combining your current group disability insurance with additional coverage from an individual plan.

This concept works best in situations where the maximum benefit available under your group long-term disability plan is low in relation to your current income.

A Top-up plan helps to ensure that you have the appropriate amount of income replaced in the event of disability.

In addition, a Salary Continuation Plan (SCP) is a method of “grouping” individual disability insurance policies which can provide an attractive, cost-effective benefit for employees of a corporation or a non-corporate entity – while taking advantage of beneficial tax treatment allowed by the Canada Customs and Revenue Agency (CCRA).

For more information on these programs, please contact our office