Monthly income replacement
Regular payments that help cover bills, groceries and daily life.
Core Benefits
Income protection built around your work.
Monthly benefits that keep your household running while you recover.
Short and long term options
Coverage for temporary recovery or extended time away from work.
Options for the self-employed
Purpose-built protection when no employer plan stands behind you.
Own-occupation definitions
Benefit definitions that reflect your specific job, not just any job.
Your income is one of your biggest assets.
Disability insurance helps protect the paycheque that supports your family, your home and your future goals.
How It Works
How your benefit works.
Four choices shape every disability policy. Dev helps you set each one to balance protection and premium.
Waiting period
How long after a disability begins before benefits start. Shorter waits cost more.
Monthly benefit
The amount paid each month, based on your income and structured to be received tax-free in most personal plans.
Benefit period
How long payments continue: two years, five years, or to age 65.
Occupation definition
Own-occupation coverage pays if you cannot do your specific job, not just any job.
Common Questions
Important details, explained clearly.
Get answers to the most common questions about disability insurance so you can make confident decisions.
01Does my employer plan already cover this?+
Group coverage is often limited and ends when you leave the job. A personal policy stays with you and can top up gaps in employer benefits.
02How much of my income can be replaced?+
Typically a substantial portion of your earnings, structured so benefits are usually received tax-free. Dev tailors the amount to your income and budget.
03I am self-employed. Can I qualify?+
Yes, and it is especially important since you have no employer safety net. Insurers assess your income history and occupation.
Request a Quote
Get your disability insurance quote.
Share a few details and Dev will compare suitable options from leading Canadian insurers. The consultation is free and there is no obligation.
- Independent comparison across multiple providers
- Clear explanation of coverage and pricing
- Personal support from quote to policy review
Get your free quote
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