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Injury Disability Insurance Income Protection


Injury Disability Insurance - protecting high risk workers in Canada.

If there are chances of being hurt in your present job, it would do well for you to look for injury disability insurance. This type of insurance policy comes cheaper compared to combined injury and sickness disability insurance.

Injury Disability Insurance is ideal for job with high risk of physical injury like traders, farmers, truckers, labourers, etc. The premiums depend on the type of work you do and your present age. That means, for more dangerous type of work that has greater injury risk, the premium too becomes high.

In Canada, Edge Benefits is among the best service providers of injury disability insurance. Edge provides injury disability insurance for the 18 to 64 age bracket, with coverage till the age of 70.


Some key features of Edge benefits include:

Injury Disability Insurance or Injury and Illness Disability Insurance for either 24 hours or Non-Occupational option – In this case, you can choose to add sickness protection to the base injury disability insurance plan. However, you need to pay an additional monthly premium and also to pass a medical check-up. There are options to get covered both at work and away from work, or else, you can get coverage for only away from the work site. The Non-optional insurance is an affordable way of coverage for workers with full workers’ compensation.

Benefits to be paid till 70 for most occupations

– In the event of you becoming totally disabled and never to come back to work, you will continue to receive your monthly benefit till the age of 70.

Get paid from First Day, or waiting period of 30 days or 120 days –

If you want to receive your insurance benefits earlier, your policy becomes costlier. That mean, if you can cover your bills for a month or more periods, your premiums can be lower by opting for a longer waiting period.

Availability of 5 year benefit period for all eligible occupations

– for keeping the premiums low, you can go for 5 years benefit period. This is because 95% of all insured workers return to work within 5 years, while the rest 5% usually do not come back to the work force.

Benefits depending on Gross Business Revenue or Net Earned Income.

This feature is ideal for the self-employed writing off all the expenses. This is because most disability income insurance plans give coverage only on the net income after deducting the expenses. The Edge provides coverage on the Gross Business Revenue.

Partial Disability Benefit

– Is your disability stops you from doing some important functions of your job? Has your injury left you with a considerably reduced income? Are you losing about half your regular work hours? In all situations of these kinds, if you are still able to go to work and do some activities, then you are eligible to receive 50% of your monthly insurance benefit for a maximum of 180 days.

Return-to-Work Assistance Benefit

– it is meant to rehabilitate you to get back to work, either in the career you were working or another similar work with equivalent earnings by the insurance company.

Waiver of Premium

– You do not need to keep paying your premiums after a period of 30 days of Total Disability and when your benefits are due.

Accident Medical Reimbursement Benefit

– reimbursement to help you meet expenses for drugs, wheelchairs, crutches and a host of other medical expenses not covered by the provincial plans and is up to $10,000.

Optional Benefits

Accidental Death and Dismemberment Coverage $100,000, $200,000 or $300,000

  • To receive a lump sum payment for specific losses, over and above any other insurance plan that you have.
  • Principal sum amount in the event of Death, Hemiplegia, Paraplegia, or Quadriplegia.
  • Provides an enhanced loss schedule, along with day care, home, education, home alteration/vehicle modification benefits.

Business Overhead Expense Insurance $1,000 to $4,000 per month.

It is suited to business owners for meeting day-to-day operation of business. These include rent, utilities, lease, insurance and wages of your business without your presence. You receive up to 12 times the monthly benefit that begins after a period of 30 days. This type of insurance is meant to pay back a business if a key person of the business becomes disabled.

Out-of-Province/Canada Travel Emergency Medical Coverage

  • Coverage of up to $5,000,000 for reasonable and customary medical expenses due to emergency treatment necessary from a medical condition.
  • Meets Expenses for hospital accommodations, diagnostic services, physician charges, transportation to bedside, emergency air transportation, paramedical services, ambulance services, and more.
  • Emergency Assistance Service available 24 hours, 7 days a week wherever you are travel.
  • Within the first 30 consecutive days of each trip with unlimited trips. Certain exclusions, limitations, and definitions apply.

Every contract comes with its own exclusions and limitations and it is important for you to know the circumstances under which a claim may be declined. Read your policy contract thoroughly about the details of exclusions and limitations.

If you are looking for a comprehensive array of quotes on Universal Life Insurance, Term Life Insurance, Permanent Life Insurance, Health Insurance, and Disability Insurance in Calgary, including Injury Only Insurance, you can contact Life Guard Insurance.