{"id":2015,"date":"2025-09-19T07:49:10","date_gmt":"2025-09-19T07:49:10","guid":{"rendered":"https:\/\/yourwealthadvisor.ca\/disability-insurance\/"},"modified":"2025-12-29T06:47:48","modified_gmt":"2025-12-29T06:47:48","slug":"disability-insurance","status":"publish","type":"page","link":"https:\/\/yourwealthadvisor.ca\/fa\/disability-insurance\/","title":{"rendered":"Disability insurance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"2015\" class=\"elementor elementor-2015 elementor-389\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-50b20c5 e-flex e-con-boxed e-con e-parent\" data-id=\"50b20c5\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-159f301 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"159f301\" data-element_type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1fadbeb elementor-widget elementor-widget-heading\" data-id=\"1fadbeb\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u0628\u06cc\u0645\u0647 \u0627\u0632\u06a9\u0627\u0631\u0627\u0641\u062a\u0627\u062f\u06af\u06cc<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7974e4e elementor-widget elementor-widget-text-editor\" data-id=\"7974e4e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Protect your income, lifestyle, and family with reliable disability insurance.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0d37b2d elementor-widget elementor-widget-button\" data-id=\"0d37b2d\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">\u062a\u0645\u0627\u0633 \u0628\u0627 \u0645\u0634\u0627\u0648\u0631 \u0628\u06cc\u0645\u0647<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-430f79d e-flex e-con-boxed e-con e-parent\" data-id=\"430f79d\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-bee802e e-con-full e-flex e-con e-child\" data-id=\"bee802e\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-51af0b5 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"51af0b5\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What Is Disability Insurance ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f3387e3 elementor-widget elementor-widget-text-editor\" data-id=\"f3387e3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Disability insurance (sometimes called \u201cincome replacement insurance\u201d) provides a <strong>tax-free <\/strong><strong>monthly income<\/strong> if illness or injury prevents you from working.<\/p><p>It helps protect your lifestyle, bills, and family if you can\u2019t earn your usual income.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ecfca09 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"ecfca09\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Why It\u2019s Essential ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ba8de8 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"5ba8de8\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8c137 0 248 111 248 248S393 504 256 504 8 393 8 256 119 8 256 8zm113.9 231L234.4 103.5c-9.4-9.4-24.6-9.4-33.9 0l-17 17c-9.4 9.4-9.4 24.6 0 33.9L285.1 256 183.5 357.6c-9.4 9.4-9.4 24.6 0 33.9l17 17c9.4 9.4 24.6 9.4 33.9 0L369.9 273c9.4-9.4 9.4-24.6 0-34z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Even healthy people can face unexpected illness or injury.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8c137 0 248 111 248 248S393 504 256 504 8 393 8 256 119 8 256 8zm113.9 231L234.4 103.5c-9.4-9.4-24.6-9.4-33.9 0l-17 17c-9.4 9.4-9.4 24.6 0 33.9L285.1 256 183.5 357.6c-9.4 9.4-9.4 24.6 0 33.9l17 17c9.4 9.4 24.6 9.4 33.9 0L369.9 273c9.4-9.4 9.4-24.6 0-34z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Government programs (CPP\/QPP) often have strict eligibility and offer limited monthly benefits.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8c137 0 248 111 248 248S393 504 256 504 8 393 8 256 119 8 256 8zm113.9 231L234.4 103.5c-9.4-9.4-24.6-9.4-33.9 0l-17 17c-9.4 9.4-9.4 24.6 0 33.9L285.1 256 183.5 357.6c-9.4 9.4-9.4 24.6 0 33.9l17 17c9.4 9.4 24.6 9.4 33.9 0L369.9 273c9.4-9.4 9.4-24.6 0-34z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Employer coverage (group insurance) may not fully cover what you need, and it may vanish if you change jobs.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8c137 0 248 111 248 248S393 504 256 504 8 393 8 256 119 8 256 8zm113.9 231L234.4 103.5c-9.4-9.4-24.6-9.4-33.9 0l-17 17c-9.4 9.4-9.4 24.6 0 33.9L285.1 256 183.5 357.6c-9.4 9.4-9.4 24.6 0 33.9l17 17c9.4 9.4 24.6 9.4 33.9 0L369.9 273c9.4-9.4 9.4-24.6 0-34z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Without coverage, you may have to dip into savings, retirement funds, or go into debt.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2a7d1f3 e-con-full e-flex e-con e-child\" data-id=\"2a7d1f3\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c5b53b6 elementor-widget elementor-widget-image\" data-id=\"c5b53b6\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"600\" height=\"900\" src=\"https:\/\/yourwealthadvisor.ca\/wp-content\/uploads\/2025\/10\/yourwealthadvisor-critical-ins.webp\" class=\"attachment-full size-full wp-image-1693\" alt=\"What Is Disability Insurance ?\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-043331c e-flex e-con-boxed e-con e-parent\" data-id=\"043331c\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-920b9f3 elementor-widget elementor-widget-heading\" data-id=\"920b9f3\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Key Features of Disability Insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-05a0977 e-flex e-con-boxed e-con e-parent\" data-id=\"05a0977\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6cd1522 e-con-full e-flex e-con e-child\" data-id=\"6cd1522\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dd8fad6 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"dd8fad6\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-exclamation-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.997-111.043 248-248 248S8 392.997 8 256C8 119.083 119.043 8 256 8s248 111.083 248 248zm-248 50c-25.405 0-46 20.595-46 46s20.595 46 46 46 46-20.595 46-46-20.595-46-46-46zm-43.673-165.346l7.418 136c.347 6.364 5.609 11.346 11.982 11.346h48.546c6.373 0 11.635-4.982 11.982-11.346l7.418-136c.375-6.874-5.098-12.654-11.982-12.654h-63.383c-6.884 0-12.356 5.78-11.981 12.654z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Benefit Amount<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4e37f5f elementor-widget elementor-widget-text-editor\" data-id=\"4e37f5f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Usually covers <strong>50 %-80 %<\/strong> (or sometimes up to 90 %) of your net income, depending on plan.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2ea5777 e-con-full e-flex e-con e-child\" data-id=\"2ea5777\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b67fd9a elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"b67fd9a\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-exclamation-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.997-111.043 248-248 248S8 392.997 8 256C8 119.083 119.043 8 256 8s248 111.083 248 248zm-248 50c-25.405 0-46 20.595-46 46s20.595 46 46 46 46-20.595 46-46-20.595-46-46-46zm-43.673-165.346l7.418 136c.347 6.364 5.609 11.346 11.982 11.346h48.546c6.373 0 11.635-4.982 11.982-11.346l7.418-136c.375-6.874-5.098-12.654-11.982-12.654h-63.383c-6.884 0-12.356 5.78-11.981 12.654z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Waiting Period (Elimination Period)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0cfd712 elementor-widget elementor-widget-text-editor\" data-id=\"0cfd712\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"115\" data-end=\"239\">The time between disability and benefit payments \u2014 usually 30, 60, 90, 120, or 180 days. <strong>Longer wait = lower premiums.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dba652c e-con-full e-flex e-con e-child\" data-id=\"dba652c\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b7ceeac elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"b7ceeac\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-exclamation-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.997-111.043 248-248 248S8 392.997 8 256C8 119.083 119.043 8 256 8s248 111.083 248 248zm-248 50c-25.405 0-46 20.595-46 46s20.595 46 46 46 46-20.595 46-46-20.595-46-46-46zm-43.673-165.346l7.418 136c.347 6.364 5.609 11.346 11.982 11.346h48.546c6.373 0 11.635-4.982 11.982-11.346l7.418-136c.375-6.874-5.098-12.654-11.982-12.654h-63.383c-6.884 0-12.356 5.78-11.981 12.654z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Benefit Period (Duration)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4d3a104 elementor-widget elementor-widget-text-editor\" data-id=\"4d3a104\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>How long you\u2019ll get payments: could be 2 years, 5 years, up to age 65, or \u201cto retirement.\u201d<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2ff7c3a e-con-full e-flex e-con e-child\" data-id=\"2ff7c3a\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a321e18 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"a321e18\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-exclamation-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.997-111.043 248-248 248S8 392.997 8 256C8 119.083 119.043 8 256 8s248 111.083 248 248zm-248 50c-25.405 0-46 20.595-46 46s20.595 46 46 46 46-20.595 46-46-20.595-46-46-46zm-43.673-165.346l7.418 136c.347 6.364 5.609 11.346 11.982 11.346h48.546c6.373 0 11.635-4.982 11.982-11.346l7.418-136c.375-6.874-5.098-12.654-11.982-12.654h-63.383c-6.884 0-12.356 5.78-11.981 12.654z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Guaranteed Rates<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4618859 elementor-widget elementor-widget-text-editor\" data-id=\"4618859\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Some policies lock in rates until a certain age (e.g. age 65) so premiums won\u2019t increase during that time.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3662858 e-flex e-con-boxed e-con e-parent\" data-id=\"3662858\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-eaf1d0f e-con-full e-flex e-con e-child\" data-id=\"eaf1d0f\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4e33a72 elementor-widget elementor-widget-heading\" data-id=\"4e33a72\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How It Works<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7f651bb e-con-full e-flex e-con e-child\" data-id=\"7f651bb\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-5317ecc e-con-full e-flex e-con e-child\" data-id=\"5317ecc\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f8f87da elementor-widget elementor-widget-image\" data-id=\"f8f87da\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"128\" height=\"128\" src=\"https:\/\/yourwealthadvisor.ca\/wp-content\/uploads\/2025\/09\/amounts.png\" class=\"attachment-full size-full wp-image-1052\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a092f61 elementor-widget elementor-widget-heading\" data-id=\"a092f61\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">Step 1<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-99a1bf8 e-con-full e-flex e-con e-child\" data-id=\"99a1bf8\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-485742e elementor-widget elementor-widget-heading\" data-id=\"485742e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Choose Coverage<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cf4f903 elementor-widget elementor-widget-text-editor\" data-id=\"cf4f903\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Select your monthly benefit amount, waiting period, and benefit period.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0e7be91 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"0e7be91\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ac1a34d e-con-full e-flex e-con e-child\" data-id=\"ac1a34d\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-626e2b8 e-con-full e-flex e-con e-child\" data-id=\"626e2b8\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-490c690 elementor-widget elementor-widget-image\" data-id=\"490c690\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"128\" height=\"128\" src=\"https:\/\/yourwealthadvisor.ca\/wp-content\/uploads\/2025\/09\/tick-mark.png\" class=\"attachment-full size-full wp-image-1049\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8f1a674 elementor-widget elementor-widget-heading\" data-id=\"8f1a674\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">Step 2<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-525d5b2 e-con-full e-flex e-con e-child\" data-id=\"525d5b2\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-feecca4 elementor-widget elementor-widget-heading\" data-id=\"feecca4\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Pay premiums<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f481b2b elementor-widget elementor-widget-text-editor\" data-id=\"f481b2b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Make regular monthly or annual premium payments.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-de6dd9a elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"de6dd9a\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-521902f e-con-full e-flex e-con e-child\" data-id=\"521902f\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-82d1781 e-con-full e-flex e-con e-child\" data-id=\"82d1781\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e7b64e6 elementor-widget elementor-widget-image\" data-id=\"e7b64e6\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"128\" height=\"128\" src=\"https:\/\/yourwealthadvisor.ca\/wp-content\/uploads\/2025\/09\/contract.png\" class=\"attachment-full size-full wp-image-1123\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-12330ae elementor-widget elementor-widget-heading\" data-id=\"12330ae\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">Step 3<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d86c9c5 e-con-full e-flex e-con e-child\" data-id=\"d86c9c5\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4fe9670 elementor-widget elementor-widget-heading\" data-id=\"4fe9670\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">File a Claim<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c9438ab elementor-widget elementor-widget-text-editor\" data-id=\"c9438ab\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>If you become disabled (as defined in your policy), submit a claim.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-34a9856 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"34a9856\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cc84586 e-con-full e-flex e-con e-child\" data-id=\"cc84586\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-f1b7e01 e-con-full e-flex e-con e-child\" data-id=\"f1b7e01\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e54e47b elementor-widget elementor-widget-image\" data-id=\"e54e47b\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"128\" height=\"128\" src=\"https:\/\/yourwealthadvisor.ca\/wp-content\/uploads\/2025\/09\/payment.png\" class=\"attachment-full size-full wp-image-1043\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7fce3cd elementor-widget elementor-widget-heading\" data-id=\"7fce3cd\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">Step 4<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4e92cfa e-con-full e-flex e-con e-child\" data-id=\"4e92cfa\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-09dd6a7 elementor-widget elementor-widget-heading\" data-id=\"09dd6a7\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Receive Benefits<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5da4cc3 elementor-widget elementor-widget-text-editor\" data-id=\"5da4cc3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>After the waiting period, you\u2019ll receive monthly payments until you return to work or the benefit period ends.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b22585c e-con-full e-flex e-con e-child\" data-id=\"b22585c\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e3a8081 elementor-widget elementor-widget-heading\" data-id=\"e3a8081\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What Factors Affect Premiums<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-73afeeb elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"73afeeb\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Your age (younger = cheaper)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Health &amp; medical history<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Occupation (if your job is risky, premiums are higher)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">The waiting period you choose (shorter = more expensive)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Duration of benefits (longer = more expensive)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Coverage amount (higher benefit = more expensive)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Any optional riders or extra features (e.g. \u201cown-occupation\u201d coverage, inflation protection)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cf30d2e elementor-widget elementor-widget-heading\" data-id=\"cf30d2e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How Much Income Can You Get?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9d1939c elementor-widget elementor-widget-text-editor\" data-id=\"9d1939c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"66\" data-end=\"216\">Below are sample monthly benefits based on annual salary. Actual amounts vary by plan, health, job, and provider. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1877a55 elementor-widget elementor-widget-html\" data-id=\"1877a55\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<style>\/* \u062c\u062f\u0648\u0644 \u0627\u0635\u0644\u06cc *\/\r\n.life-insurance-table {\r\n  width: 100%;\r\n  border-collapse: separate; \/* \u0628\u0631\u0627\u06cc \u0641\u0639\u0627\u0644 \u0634\u062f\u0646 border-radius *\/\r\n  border-spacing: 0; \/* \u0641\u0627\u0635\u0644\u0647 \u0628\u06cc\u0646 \u0633\u0644\u0648\u0644\u200c\u0647\u0627 \u0635\u0641\u0631 \u0634\u0648\u062f *\/\r\n  font-family: 'Iransans', sans-serif;\r\n  border-radius: 5px; \/* \u06af\u0631\u062f\u06cc \u06af\u0648\u0634\u0647\u200c\u0647\u0627\u06cc \u062c\u062f\u0648\u0644 *\/\r\n  overflow: hidden; \/* \u062c\u0644\u0648\u06af\u06cc\u0631\u06cc \u0627\u0632 \u0628\u06cc\u0631\u0648\u0646 \u0632\u062f\u0646 \u0645\u062d\u062a\u0648\u0627\u06cc \u0631\u062f\u06cc\u0641\u200c\u0647\u0627 *\/\r\n \r\n}\r\n\r\n\/* \u0633\u0631 \u062c\u062f\u0648\u0644 *\/\r\n.life-insurance-table thead tr {\r\n  background-color: #D4AF37;\r\n}\r\n\r\n.life-insurance-table thead th {\r\n  padding: 10px 20px;\r\n  color: #ffffff;\r\n  text-align: center;\r\n  font-size: 18px; \r\n  font-weight: bold; \r\n}\r\n\r\n\/* \u0633\u0644\u0648\u0644\u200c\u0647\u0627\u06cc \u0628\u062f\u0646\u0647 \u062c\u062f\u0648\u0644 *\/\r\n.life-insurance-table tbody td {\r\n  padding: 10px 20px;\r\n  font-size: 16px; \r\n  color: #333333; \r\n  font-weight: normal;\r\n  text-align: center;\r\n  vertical-align: middle;\r\n}\r\n\r\n\/* \u06af\u0631\u062f \u06a9\u0631\u062f\u0646 \u06af\u0648\u0634\u0647\u200c\u0647\u0627\u06cc \u0633\u0631 \u062c\u062f\u0648\u0644 *\/\r\n.life-insurance-table thead tr:first-child th:first-child {\r\n  border-top-left-radius: 12px;\r\n}\r\n.life-insurance-table thead tr:first-child th:last-child {\r\n  border-top-right-radius: 12px;\r\n}\r\n\r\n\/* \u06af\u0631\u062f \u06a9\u0631\u062f\u0646 \u06af\u0648\u0634\u0647\u200c\u0647\u0627\u06cc \u067e\u0627\u06cc\u06cc\u0646 \u062c\u062f\u0648\u0644 *\/\r\n.life-insurance-table tbody tr.total td:first-child {\r\n  border-bottom-left-radius: 12px;\r\n}\r\n.life-insurance-table tbody tr.total td:last-child {\r\n  border-bottom-right-radius: 12px;\r\n}\r\n<\/style><table class=\"life-insurance-table\"><thead><tr><th>Annual Salary<\/th><th>Max Monthly Benefit<\/th><\/tr><\/thead><tbody><tr><td>$ 2,200<\/td><td>$ 35,000<\/td><\/tr><tr><td>$ 2,200<\/td><td>$ 50,000<\/td><\/tr><tr><td>$ 5,200<\/td><td>$ 100,000<\/td><\/tr><tr><td>$ 6,600<\/td><td>$ 140,000<\/td><\/tr><td>$ 8,500 - $ 10,000+<\/td><td>$ 200,000<\/td><\/tr><\/tbody><\/table>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bdff5fd elementor-widget elementor-widget-text-editor\" data-id=\"bdff5fd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"66\" data-end=\"216\">*Assumes high benefit % and favorable underwriting.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d4c2b8c e-flex e-con-boxed e-con e-parent\" data-id=\"d4c2b8c\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f241ed4 elementor-widget elementor-widget-image\" data-id=\"f241ed4\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"128\" height=\"128\" src=\"https:\/\/yourwealthadvisor.ca\/wp-content\/uploads\/2025\/09\/assessment-1.png\" class=\"attachment-full size-full wp-image-1126\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f00875a elementor-widget elementor-widget-heading\" data-id=\"f00875a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Government &amp; Employer Coverage \u2014 Are They Enough?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-122d762 elementor-widget__width-inherit elementor-widget elementor-widget-html\" data-id=\"122d762\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<style>.custom-table-wrapper {\r\n  width: 100%;\r\n  overflow-x: auto; \/* \u0627\u0633\u06a9\u0631\u0648\u0644 \u0627\u0641\u0642\u06cc \u062f\u0631 \u0645\u0648\u0628\u0627\u06cc\u0644 *\/\r\n  margin: 20px auto;\r\n}\r\n\r\n.custom-table {\r\n  width: 100%;\r\n  border-collapse: collapse;\r\n  font-family: Iransans, sans-serif;\r\n  text-align: center;\r\n  border-radius: 5px;\r\n  overflow: hidden;\r\n  min-width: 600px; \/* \u062c\u0644\u0648\u06af\u06cc\u0631\u06cc \u0627\u0632 \u0641\u0634\u0631\u062f\u0647 \u0634\u062f\u0646 \u0628\u06cc\u0634 \u0627\u0632 \u062d\u062f *\/\r\n  table-layout: fixed; \/* \u0633\u062a\u0648\u0646\u200c\u0647\u0627 \u0639\u0631\u0636 \u062b\u0627\u0628\u062a \u062f\u0627\u0634\u062a\u0647 \u0628\u0627\u0634\u0646 *\/\r\n}\r\n\r\n\/* \u0627\u0633\u062a\u0627\u06cc\u0644 \u0647\u062f\u0631 *\/\r\n.custom-table thead th {\r\n  background: #D4AF37;\r\n  color: #fff;\r\n  padding: 14px;\r\n  font-size: 16px;\r\n  font-weight: 600;\r\n  text-align: center;\r\n  white-space: nowrap;\r\n}\r\n\r\n\/* \u0633\u0644\u0648\u0644\u200c\u0647\u0627 *\/\r\n.custom-table td, \r\n.custom-table th {\r\n  border: 1px solid #ddd;\r\n  padding: 12px;\r\n  vertical-align: top;\r\n  text-align: left;\r\n  font-size: 15px;\r\n  font-weight: 300;\r\n  line-height: 1.6;\r\n  word-wrap: break-word; \/* \u0634\u06a9\u0633\u062a\u0646 \u0645\u062a\u0646 \u062f\u0631 \u0635\u0648\u0631\u062a \u0637\u0648\u0644\u0627\u0646\u06cc \u0628\u0648\u062f\u0646 *\/\r\n}\r\n\r\n\/* \u0631\u062f\u06cc\u0641\u200c\u0647\u0627 *\/\r\n.custom-table tbody tr:nth-child(even) {\r\n  background: #f9f9f9;\r\n}\r\n\r\n.custom-table tbody tr:hover {\r\n  background: #eef5ff;\r\n}\r\n\r\n\/* \u0645\u062a\u0646 \u0628\u0648\u0644\u062f \u062f\u0627\u062e\u0644 \u0633\u0644\u0648\u0644 *\/\r\n.custom-table td b {\r\n  color: #333;\r\n  font-weight: 500;\r\n  font-size: 15px;\r\n}\r\n\r\n\/* \u0648\u0627\u06a9\u0646\u0634\u200c\u06af\u0631\u0627\u06cc\u06cc \u0628\u0631\u0627\u06cc \u0645\u0648\u0628\u0627\u06cc\u0644 *\/\r\n@media (max-width: 768px) {\r\n  .custom-table-wrapper {\r\n    overflow-x: scroll;\r\n  }\r\n  .custom-table {\r\n    font-size: 14px;\r\n  }\r\n  .custom-table td, .custom-table th {\r\n    padding: 10px;\r\n  }\r\n}\r\n<\/style><div class=\"custom-table-wrapper\"><table class=\"custom-table\"><!-- \u062a\u0646\u0638\u06cc\u0645 \u0639\u0631\u0636 \u0633\u062a\u0648\u0646\u200c\u0647\u0627 --><colgroup><col style=\"width: 25%;\"> <!-- \u0633\u062a\u0648\u0646 \u0627\u0648\u0644 --><col style=\"width: 37.5%;\"> <!-- \u0633\u062a\u0648\u0646 \u062f\u0648\u0645 --><col style=\"width: 37.5%;\"> <!-- \u0633\u062a\u0648\u0646 \u0633\u0648\u0645 --><\/colgroup><thead><tr><th>Source<\/th><th>What They Offer<\/th><th>Typical Gaps<\/th><\/tr><\/thead><tbody><tr><td><b>CPP (Canada\r\nPension Plan) \/\r\nQPP<\/b><\/td><td>Monthly disability benefits if\r\nyou meet strict criteria: must be severe and prolonged.<\/td><td>Benefit amounts are limited. Getting\r\neligibility is hard. Also, payments are\r\nmodest compared to many people\u2019s\r\nincome.<\/td><\/tr><tr><td><b>Group (Employer)\r\nDisability\r\nInsurance<\/b><\/td><td>Usually less expensive,\r\nsometimes included in\r\nbenefits packages.\r\n<\/td><td>Often only basic coverage. If you leave\r\nyour job, that protection may stop. May\r\nnot cover your full income.<\/td><\/tr><tr><td><b>Individual Disability Insurance<\/b><\/td><td>Tailored to you: amount,\r\nduration, waiting period, etc.<\/td><td>Might cost more than group plans, but\r\nyou control it.\r\n<\/td><\/tr><\/tbody><\/table><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-eac11c4 e-flex e-con-boxed e-con e-parent\" data-id=\"eac11c4\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-0e3c096 e-con-full e-flex e-con e-child\" data-id=\"0e3c096\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7dd45d3 elementor-widget elementor-widget-image\" data-id=\"7dd45d3\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"622\" height=\"800\" src=\"https:\/\/yourwealthadvisor.ca\/wp-content\/uploads\/2025\/09\/yourwealthadviso-graphic-designer.webp\" class=\"attachment-full size-full wp-image-1129\" alt=\"Example: Putting It All Together\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-68f37c3 e-con-full e-flex e-con e-child\" data-id=\"68f37c3\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5a438c9 elementor-widget elementor-widget-heading\" data-id=\"5a438c9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Example: Putting It All Together<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7fdd373 elementor-widget elementor-widget-text-editor\" data-id=\"7fdd373\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"108\" data-end=\"187\"><strong data-start=\"108\" data-end=\"117\">Sarah<\/strong> is a <strong data-start=\"123\" data-end=\"155\">35-year-old graphic designer<\/strong> earning <strong data-start=\"164\" data-end=\"184\">$70,000 per year<\/strong>.<\/p><p data-start=\"189\" data-end=\"273\">She wants enough coverage to <strong data-start=\"218\" data-end=\"252\">maintain her current lifestyle<\/strong> if she can\u2019t work. She chooses a policy that covers <strong data-start=\"308\" data-end=\"329\">70% of her income<\/strong>, with a <strong data-start=\"338\" data-end=\"363\">90-day waiting period<\/strong>, and benefits payable <strong data-start=\"386\" data-end=\"402\">until age 65<\/strong>. <\/p><p data-start=\"407\" data-end=\"467\">Her <strong data-start=\"411\" data-end=\"438\">monthly premium is $120<\/strong> (this is just an example).<\/p><p data-start=\"469\" data-end=\"630\">If Sarah becomes disabled, after <strong data-start=\"502\" data-end=\"513\">90 days<\/strong> she\u2019ll receive approximately <strong data-start=\"543\" data-end=\"568\">$4,000\/month tax-free<\/strong> until she either <strong data-start=\"586\" data-end=\"605\">returns to work<\/strong> or <strong data-start=\"609\" data-end=\"627\">reaches age 65<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b6be142 e-flex e-con-boxed e-con e-parent\" data-id=\"b6be142\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2539ac3 e-con-full e-flex e-con e-child\" data-id=\"2539ac3\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b8d97c5 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"b8d97c5\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-question\" viewBox=\"0 0 384 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M202.021 0C122.202 0 70.503 32.703 29.914 91.026c-7.363 10.58-5.093 25.086 5.178 32.874l43.138 32.709c10.373 7.865 25.132 6.026 33.253-4.148 25.049-31.381 43.63-49.449 82.757-49.449 30.764 0 68.816 19.799 68.816 49.631 0 22.552-18.617 34.134-48.993 51.164-35.423 19.86-82.299 44.576-82.299 106.405V320c0 13.255 10.745 24 24 24h72.471c13.255 0 24-10.745 24-24v-5.773c0-42.86 125.268-44.645 125.268-160.627C377.504 66.256 286.902 0 202.021 0zM192 373.459c-38.196 0-69.271 31.075-69.271 69.271 0 38.195 31.075 69.27 69.271 69.27s69.271-31.075 69.271-69.271-31.075-69.27-69.271-69.27z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Critical Illness Insurance FAQs<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7b7aa7c elementor-widget elementor-widget-n-accordion\" data-id=\"7b7aa7c\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:300,&quot;sizes&quot;:[]},&quot;max_items_expended&quot;:&quot;one&quot;}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1290\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1290\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What Should I Expect to Pay? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-question\" viewBox=\"0 0 384 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M202.021 0C122.202 0 70.503 32.703 29.914 91.026c-7.363 10.58-5.093 25.086 5.178 32.874l43.138 32.709c10.373 7.865 25.132 6.026 33.253-4.148 25.049-31.381 43.63-49.449 82.757-49.449 30.764 0 68.816 19.799 68.816 49.631 0 22.552-18.617 34.134-48.993 51.164-35.423 19.86-82.299 44.576-82.299 106.405V320c0 13.255 10.745 24 24 24h72.471c13.255 0 24-10.745 24-24v-5.773c0-42.86 125.268-44.645 125.268-160.627C377.504 66.256 286.902 0 202.021 0zM192 373.459c-38.196 0-69.271 31.075-69.271 69.271 0 38.195 31.075 69.27 69.271 69.27s69.271-31.075 69.271-69.271-31.075-69.27-69.271-69.27z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1290\" class=\"elementor-element elementor-element-79240f7 e-con-full e-flex e-con e-child\" data-id=\"79240f7\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-09cebb4 elementor-widget elementor-widget-text-editor\" data-id=\"09cebb4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Costs vary a lot. Here are ballpark ranges \/ factors: <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-393c467 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"393c467\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">For a healthy non-smoker in their mid-30s, replacing, say, 70-80 % of monthly income might cost between 1 % to 5-6 % of gross income, depending on waiting period and benefit duration.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">If you need more coverage, earlier payments, or dangerous occupation \u2192 higher premiums.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1291\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1291\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Is the income I get really tax-free? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-question\" viewBox=\"0 0 384 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M202.021 0C122.202 0 70.503 32.703 29.914 91.026c-7.363 10.58-5.093 25.086 5.178 32.874l43.138 32.709c10.373 7.865 25.132 6.026 33.253-4.148 25.049-31.381 43.63-49.449 82.757-49.449 30.764 0 68.816 19.799 68.816 49.631 0 22.552-18.617 34.134-48.993 51.164-35.423 19.86-82.299 44.576-82.299 106.405V320c0 13.255 10.745 24 24 24h72.471c13.255 0 24-10.745 24-24v-5.773c0-42.86 125.268-44.645 125.268-160.627C377.504 66.256 286.902 0 202.021 0zM192 373.459c-38.196 0-69.271 31.075-69.271 69.271 0 38.195 31.075 69.27 69.271 69.27s69.271-31.075 69.271-69.271-31.075-69.27-69.271-69.27z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1291\" class=\"elementor-element elementor-element-febb7b7 e-con-full e-flex e-con e-child\" data-id=\"febb7b7\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3a53f1f elementor-widget elementor-widget-text-editor\" data-id=\"3a53f1f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Yes \u2014 when structured properly, disability insurance benefits received are tax-free.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1292\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1292\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What counts as \u201cdisabled\u201d? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-question\" viewBox=\"0 0 384 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M202.021 0C122.202 0 70.503 32.703 29.914 91.026c-7.363 10.58-5.093 25.086 5.178 32.874l43.138 32.709c10.373 7.865 25.132 6.026 33.253-4.148 25.049-31.381 43.63-49.449 82.757-49.449 30.764 0 68.816 19.799 68.816 49.631 0 22.552-18.617 34.134-48.993 51.164-35.423 19.86-82.299 44.576-82.299 106.405V320c0 13.255 10.745 24 24 24h72.471c13.255 0 24-10.745 24-24v-5.773c0-42.86 125.268-44.645 125.268-160.627C377.504 66.256 286.902 0 202.021 0zM192 373.459c-38.196 0-69.271 31.075-69.271 69.271 0 38.195 31.075 69.27 69.271 69.27s69.271-31.075 69.271-69.271-31.075-69.27-69.271-69.27z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1292\" class=\"elementor-element elementor-element-fb407da e-con-full e-flex e-con e-child\" data-id=\"fb407da\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8843898 elementor-widget elementor-widget-text-editor\" data-id=\"8843898\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Policies differ. Some use \u201cany occupation\u201d definition, others \u201cown occupation\u201d (which generally pays if you can\u2019t do your own job). Be sure to know the definition in your policy.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1293\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1293\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What if there are pre-existing conditions or mental health issues? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-question\" viewBox=\"0 0 384 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M202.021 0C122.202 0 70.503 32.703 29.914 91.026c-7.363 10.58-5.093 25.086 5.178 32.874l43.138 32.709c10.373 7.865 25.132 6.026 33.253-4.148 25.049-31.381 43.63-49.449 82.757-49.449 30.764 0 68.816 19.799 68.816 49.631 0 22.552-18.617 34.134-48.993 51.164-35.423 19.86-82.299 44.576-82.299 106.405V320c0 13.255 10.745 24 24 24h72.471c13.255 0 24-10.745 24-24v-5.773c0-42.86 125.268-44.645 125.268-160.627C377.504 66.256 286.902 0 202.021 0zM192 373.459c-38.196 0-69.271 31.075-69.271 69.271 0 38.195 31.075 69.27 69.271 69.27s69.271-31.075 69.271-69.271-31.075-69.27-69.271-69.27z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1293\" class=\"elementor-element elementor-element-0712b0e e-con-full e-flex e-con e-child\" data-id=\"0712b0e\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-75ad0bf elementor-widget elementor-widget-text-editor\" data-id=\"75ad0bf\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>That depends on underwriting. Some policies exclude pre-existing conditions or offer limited<br>coverage. Mental health \/ chronic pain may have special conditions or limits.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1294\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1294\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Can I keep my coverage if I change jobs? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-question\" viewBox=\"0 0 384 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M202.021 0C122.202 0 70.503 32.703 29.914 91.026c-7.363 10.58-5.093 25.086 5.178 32.874l43.138 32.709c10.373 7.865 25.132 6.026 33.253-4.148 25.049-31.381 43.63-49.449 82.757-49.449 30.764 0 68.816 19.799 68.816 49.631 0 22.552-18.617 34.134-48.993 51.164-35.423 19.86-82.299 44.576-82.299 106.405V320c0 13.255 10.745 24 24 24h72.471c13.255 0 24-10.745 24-24v-5.773c0-42.86 125.268-44.645 125.268-160.627C377.504 66.256 286.902 0 202.021 0zM192 373.459c-38.196 0-69.271 31.075-69.271 69.271 0 38.195 31.075 69.27 69.271 69.27s69.271-31.075 69.271-69.271-31.075-69.27-69.271-69.27z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1294\" class=\"elementor-element elementor-element-211abca e-con-full e-flex e-con e-child\" data-id=\"211abca\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d934011 elementor-widget elementor-widget-text-editor\" data-id=\"d934011\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>If it\u2019s individual policy, yes. If it&#8217;s a group plan from an employer, you may lose some or all of it when you leave \u2014 but some group plans allow conversion to individual policies. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-56c015d e-con-full e-flex e-con e-child\" data-id=\"56c015d\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b569e94 elementor-widget elementor-widget-heading\" data-id=\"b569e94\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Next Steps \u2014 How We Help<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-be19d2b e-con-full e-flex e-con e-child\" data-id=\"be19d2b\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-18f8da2 elementor-widget elementor-widget-image\" data-id=\"18f8da2\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"128\" height=\"128\" src=\"https:\/\/yourwealthadvisor.ca\/wp-content\/uploads\/2025\/09\/evaluation.png\" class=\"attachment-full size-full wp-image-1136\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-651a018 elementor-widget elementor-widget-heading\" data-id=\"651a018\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Financial Assessment<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cb93496 elementor-widget elementor-widget-text-editor\" data-id=\"cb93496\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>We evaluate your complete financial situation, including debts, living expenses, dependents, and risk factors.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7db467a e-con-full e-flex e-con e-child\" data-id=\"7db467a\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e9379cb elementor-widget elementor-widget-image\" data-id=\"e9379cb\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"64\" height=\"64\" src=\"https:\/\/yourwealthadvisor.ca\/wp-content\/uploads\/2025\/09\/ideas.png\" class=\"attachment-full size-full wp-image-832\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-36fdcb4 elementor-widget elementor-widget-heading\" data-id=\"36fdcb4\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Best Value Comparison<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-82dfd6b elementor-widget elementor-widget-text-editor\" data-id=\"82dfd6b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>We compare multiple insurers to ensure you get the best combination of coverage amount, price, and flexibility.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-97f59a4 e-con-full e-flex e-con e-child\" data-id=\"97f59a4\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ace5d57 elementor-widget elementor-widget-image\" data-id=\"ace5d57\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"128\" height=\"128\" src=\"https:\/\/yourwealthadvisor.ca\/wp-content\/uploads\/2025\/09\/contract.png\" class=\"attachment-full size-full wp-image-1123\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-98b9434 elementor-widget elementor-widget-heading\" data-id=\"98b9434\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Clear Understanding<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fd89a99 elementor-widget elementor-widget-text-editor\" data-id=\"fd89a99\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"478\" data-end=\"593\">We help you understand the fine print, such as waiting periods, definitions of disability, and benefit periods.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8488c5c e-con-full e-flex e-con e-child\" data-id=\"8488c5c\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-785dcc0 elementor-widget elementor-widget-image\" data-id=\"785dcc0\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"64\" height=\"64\" src=\"https:\/\/yourwealthadvisor.ca\/wp-content\/uploads\/2025\/09\/support-1.png\" class=\"attachment-full size-full wp-image-845\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eb4ee22 elementor-widget elementor-widget-heading\" data-id=\"eb4ee22\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Claims Support<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1786550 elementor-widget elementor-widget-text-editor\" data-id=\"1786550\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"595\" data-end=\"714\">If needed, we assist you in filing claims, so you don\u2019t have to navigate the process alone.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8480b27 e-flex e-con-boxed e-con e-parent\" data-id=\"8480b27\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2015ac6 e-con-full e-flex e-con e-child\" data-id=\"2015ac6\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-68e3939 elementor-widget elementor-widget-heading\" data-id=\"68e3939\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Protect Your Income<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d038413 elementor-widget elementor-widget-text-editor\" data-id=\"d038413\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Don\u2019t leave your income to chance. A disability can happen to anyone. <\/p><p>Let\u2019s make sure you and your family are protected, no matter what.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-77c8bf9 elementor-widget elementor-widget-button\" data-id=\"77c8bf9\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">\u0628\u0627 \u06cc\u06a9 \u0645\u0634\u0627\u0648\u0631 \u062a\u0645\u0627\u0633 \u0628\u06af\u06cc\u0631\u06cc\u062f<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>\u0628\u06cc\u0645\u0647 \u0627\u0632\u06a9\u0627\u0631\u0627\u0641\u062a\u0627\u062f\u06af\u06cc Protect your income, lifestyle, and family with reliable disability insurance. \u062a\u0645\u0627\u0633 \u0628\u0627 \u0645\u0634\u0627\u0648\u0631 \u0628\u06cc\u0645\u0647 What Is Disability Insurance [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"","ast-site-content-layout":"full-width-container","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-2015","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/yourwealthadvisor.ca\/fa\/wp-json\/wp\/v2\/pages\/2015","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/yourwealthadvisor.ca\/fa\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/yourwealthadvisor.ca\/fa\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/yourwealthadvisor.ca\/fa\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/yourwealthadvisor.ca\/fa\/wp-json\/wp\/v2\/comments?post=2015"}],"version-history":[{"count":1,"href":"https:\/\/yourwealthadvisor.ca\/fa\/wp-json\/wp\/v2\/pages\/2015\/revisions"}],"predecessor-version":[{"id":2016,"href":"https:\/\/yourwealthadvisor.ca\/fa\/wp-json\/wp\/v2\/pages\/2015\/revisions\/2016"}],"wp:attachment":[{"href":"https:\/\/yourwealthadvisor.ca\/fa\/wp-json\/wp\/v2\/media?parent=2015"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}