Your income earning potential can be seriously lowered, or even extinguished, by an accident or untimely illness. At the same time, your expenses may actually rise, due to new physical needs. Batty & Associated Insurance Brokers stands ready to help you identify your risk of disability and the best strategies for minimizing the financial consequences should you develop a disability. The following products are often key components of a disability preparedness plan:

Critical Illness Insurance – None of us wants to think about the possibility of becoming critically ill. However, it is a fact that many Canadians will at some time in their lives suffer a critical illness such as cancer, stroke or heart attack. The good news is that advances in medical science have increased your chances of surviving a critical illness. But dealing with the financial consequences of such a life event can still be a significant challenge. Critical Illness coverage provides financial assistance to help you make it through your recovery with a minimum of added stress.

Disability Insurance – Disability Insurance is a form of health insurance that provides a person who becomes disabled with income to cover living expenses that continue in spite of the disability.

Long Term Care – This product is designed to pay for the costs of long-term care at home or in a care facility due to a disability or a person’s inability to perform certain daily personal activities. This type of insurance preserves your dignity, independence, and financial well-being. With this coverage, you need not deplete your income, assets, or home equity to cover the costs of long term care.

To purchase disability insurance, request a quote or contact us.