Protect the Income That Pays Your Bills.
When illness or injury prevents you from working, the mortgage, rent and monthly commitments do not necessarily stop. A Disability Income Rider attached to eligible life insurance may help protect your financial obligations during total disability.
Needs-based planning • Clear benefits • Your financial peace of mindFinancial obligations continue—even when work cannot.
The purpose of this rider is not to replace every dollar of income. It is to provide a monthly payment upon a qualifying total disability, helping you meet eligible commitments while concentrating on recovery.
Home expenses
Mortgage or rent payments and eligible condominium fees may be considered.
Loans and leases
Eligible vehicle or other lease payments, personal loans and student loans may form part of the needs analysis.
Family stability
Potential breathing room for your household as you navigate a covered inability to work.
Understand the rider before you choose it.
- Monthly benefit: the supplied brochure describes 1.5% of the life insurance coverage amount, with a stated minimum of $300 and maximum of $3,500 per month.
- Duration: qualifying monthly benefits may continue for up to 24 months.
- Termination: rider protection ends at age 65.
- Availability: it is offered as a rider to an eligible life insurance policy.
These details are from the supplied rider brochure dated May 2025; current eligibility, pricing, contractual terms and availability must be confirmed before application.
Who may qualify?
- Applicants generally must work at least 20 hours per week for 8 months per year.
- Individuals on parental leave may qualify for a benefit of up to $1,500 monthly, provided the prior work requirement was met.
- Policy issuance and benefit eligibility are subject to the insurer's underwriting rules and contract definitions.
What we review with you
Work status, life insurance coverage, financial obligations, other disability protection, family budget and affordability.
What might your rider benefit look like?
Explore the formula in the supplied brochure. Enter an illustrative life insurance amount and the monthly financial obligations you would like to protect.
For privacy, this calculator runs entirely in your browser. It does not send the entered values to InsuranceVilla.
Monthly obligations above illustration: $300
Illustrative 24-month total: $36,000, only if the full monthly benefit is payable throughout.
Calculated rider amount is a simplified arithmetic illustration; a real contract may limit the payable benefit by qualifying obligations and other conditions. No benefit is guaranteed by this page.
How InsuranceVilla helps you decide
Assess
Review mortgages, rent, eligible loans, recurring obligations and existing employer or personal coverage.
Compare
Consider the rider alongside stand-alone disability coverage, accident-only plans and available benefit periods.
Explain
Discuss limits, disability definitions, waiting periods, exclusions, pricing and a documented reason for the recommendation.
Understanding your protection
Is this the same as regular disability insurance?
No. This is a rider connected to an eligible life insurance policy and focused on qualifying financial obligations. Stand-alone disability insurance may offer other definitions, benefit periods and coverage structures.
Does it pay for every illness or injury?
Not automatically. A claim must satisfy the contract's definition of total disability, applicable exclusions, waiting periods and other claim requirements. Review the actual policy wording.
Can the benefit be higher than my rent or mortgage?
The illustration follows the brochure's coverage formula, but the actual amount payable can be governed by eligible obligations and contract provisions. An advisor can check how the limits work in your circumstances.
What happens if I am on parental leave?
The supplied brochure states that applicants on parental leave may be eligible for up to $1,500 monthly if they met the work requirements before their leave. Confirm current terms and eligibility.
Can I buy this rider by itself?
No. The supplied product is described as an optional rider attached to a qualifying life insurance policy.
What if I already have group disability coverage?
That is an important part of a needs-based review. We can review potential gaps and coordination provisions rather than assuming additional insurance is necessary.
Protect the commitments you've worked hard to build.
Ask for a tailored review of your life coverage, financial obligations and available disability benefits.
Also explore Critical Illness, Family Protection, and Value of Advice.