Choose a plan that meets your needs.
Protect your income if you become disabled and can’t work. Innovative knows that self-employed individuals and other working Canadians can have difficulty purchasing a disability protection plan at a reasonable cost. That’s why we offer specialized personal accident and sickness compensation plans for small business owners, full-time, part-time, and home-based workers.
If you become totally or partially disabled due to an accident or sickness, our specialized plans offer flexible coverage that provides you with a monthly benefit for income replacement, funding for medical costs and income/business expense coverage if you are self-employed.
Tax free benefits are paid directly to you and premiums are based on your age and the monthly benefit you qualify for (based on gross personal income and/or business income if self-employed).