This program is designed as a
base for your family's security.

We would like to hear from you.
Let us know your thoughts.

This plan is designed
by us for YOU. 

 CLICK HERE
   TO GET YOUR QUOTE

 

Where can you receive Disability Benefits

Workers Compensation: A Provincial Government program providing tax free income for accidents that occur at work. You may receive up to 90% of your net income to the age of 65.         

Unemployment Insurance:  A Federal Government program providing income for a lay-off or a disability caused by an accident or illness off the job. There is 15 day waiting period, with benefits paid for a maximum of 15 weeks. The maximum weekly benefit is $485, based upon an annual salary of $45,900.   

Canada Pension Disability Benefit: A Federal Government program. In order to qualify for benefits you must have a disability considered to be "severe" and "prolonged". It must also prevent a person from being able to do "any job" on a consistent basis. The average monthly payment for 2011 is $1,153.37. Benefits cease at age 65 

Association Disability Plans: In order to participate in any Association benefit plan you must be a member at all times. You may have to provide proof of membership at time of claim. The plan design is controlled by your board of directors and may be discontinued or plan design modified by the Board or the insurance company at any plan anniversary. Premiums are not guaranteed and can also be changed at plan anniversary. Benefits and coverage end at age 65         

Personally Owned Disability Policy: Premiums are level and guaranteed for the duration of coverage, you are the only person who can cancel the plan. Disability benefits can be paid from the 1st day of an accident and can continue to the age of 70. Sickness coverage is also available with benefits commencing from the 30-60-90-120 day of illness, you choose.   
With the assistance of disability specialist, I have studied and analyzed all the disability products available in the market place. This includes Association plans and disability policies sold by all the major insurance companies. We have found the best plan for the needs of the CDAA membership. To receive a quote CLICK HERE and complete the request for quote form. I will send you a quote and then we will discuss it. 

In addition to any disability income you receive the Canada Revenue Agencies have developed a system of tax credits you may qualify for.


Marketing Agency:
Bruce A. Hollett & Associates 401 - 1630 Pandosy Street Kelowna, BC V1Y 1P7

Email:
bhollett@telus.net
sgdickie@telus.net

Call:
P - (250) 861-1006
T - (866) 861-1006
F - (250) 861-6177

Please phone us, and leave your number, date, and best time for us to return your call. Respecting your privacy, we would ask that you do not have your financial advisor call us. In order to serve you efficiently and timely, we would ask that you please return our calls and emails as soon as possible.