Protect Your Income and Lifestyle
Income Protection That Supports You Through Life’s Unexpected Challenges
An injury or illness can take you away from work—but it shouldn’t take away your financial stability. At Baljit Kaur Insurance Services, we provide personalized disability insurance plans that ensure you continue to receive income while you recover.
With over 14 years of experience, Baljit Kaur helps clients across Ontario—whether employed, self-employed, or business owners—find the right disability coverage that aligns with their income, career, and long-term goals.
Why Disability Insurance Matters
Disability insurance provides monthly income replacement if you're unable to work due to a covered injury or illness. Whether short-term or long-term, this protection helps you cover essential expenses like rent, bills, groceries, and debt payments—so you can focus on recovery, not finances.
Disability insurance provides monthly income replacement if you're unable to work due to a covered injury or illness. Whether short-term or long-term, this protection helps you cover essential expenses like rent, bills, groceries, and debt payments—so you can focus on recovery, not finances.
Short-Term Disability Insurance
Provides income for temporary disabilities, usually covering weeks to months, ideal for illness recovery or short-term injury.
Long-Term Disability Insurance
Offers sustained income replacement for serious conditions that prevent you from working for extended periods—months or years.
Self-Employed & Business Owner Plans
Customized policies designed to protect your business income and lifestyle if health conditions affect your ability to work.
Key Benefits of Disability Insurance
- Monthly income replacement up to 85% of your earnings
- Coverage for both physical and mental health conditions
- Flexible waiting periods and benefit durations
- Keeps your finances stable while you recover
- Tax-free benefits in most personal plans
Who Should Consider Disability Insurance?
- Employees without group disability benefits
- Self-employed professionals and small business owners
- Individuals with dependents and monthly financial obligations
- Anyone looking to protect their income and lifestyle from unexpected disruptions
Secure Your Income Today
Your ability to earn an income is one of your most valuable assets. Let Baljit Kaur help you protect it with the right disability insurance coverage—tailored to your profession, income, and recovery needs.