Disability Income

Protect your income if you can't work.

Why it matters

SINOT pays up to $113 weekly (industrial rate) and for a limited time — many people receive less. Disability insurance supplements that income if illness or injury keeps you from working.

What we can cover

Supplement to the SINOT benefit
Short- and long-term income protection
Coverage for illness or injury
Guidance on exclusions and limits

SINOT has limits, exclusions and a maximum number of weeks. We explain how to cover the gap with the right coverage.

How to think it through

Beyond the SINOT gap

SINOT is a short-term, capped benefit. Private disability income insurance is built to replace a larger share of your paycheck for longer.

How the coverage works

How your benefit amount is set (a share of income)
The waiting period before benefits begin
How long benefits can last
How the policy defines disability, and key exclusions
How existing benefits like SINOT factor in

What we help you weigh

Your income, savings, and obligations decide how much coverage makes sense. We explain the trade-offs plainly.

A conversation about your protection and retirement, at your pace.

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