Disability Insurance
Benefits of Personal Disability Insurance
Flexible Options
Our disability insurance plans offer a range of options to choose from, including the Family Compassionate Care Rider, a first-of-its-kind.
Fills Coverage Gap
Canada Pension Plan (CPP) and Quebec Pension Plan (QPP) disability benefits are limited and may be more restrictive.
Helps You Return to Work (1)
Canada Pension Plan (CPP) and Quebec Pension Plan (QPP) disability benefits are limited and may be more restrictive.
PRODUCTS:
RBC Simplified Disability Insurance:
An affordable and easy way to get income protection
RBC Simplified® Disability Insurance is a straightforward, affordable and easy to purchase plan that can help protect your income if you become injured or ill.(1)
Ideal if You
· Are self-employed, a contractor or a part-time worker (3)
· Want coverage for injury only, or both sickness and injury
· Are concerned about qualifying for traditional coverage
· Want to top up group coverage or don't have group coverage
The Fundamental Series:
Simple income protection for those without group disability coverage
The Fundamental Series™ policy offers injury-only coverage that is easy to qualify for (1) and a simple application for illness coverage.
Ideal if You
· Are self-employed
· Are a contract or seasonal worker
· Are a tradesperson or construction worker
· Are a self-employed farmer
· Work in retail
The Bridge Series:
An affordable plan with numerous options to give you the right coverage
The Bridge Series® policy offers disability benefits, return to work assistance and options similar to The Foundation Series™ policy, but at a lower cost.
Ideal if You
· Are a small business owner or manager
· Are a tradesperson
· Are a farmer
· Are a middle-income earner
Quantum Series:
Protects against a partial loss of income for high-income earners
The Quantum® policy offers quality disability coverage and return to work benefits in case an injury or illness causes you to lose 20% or more of your earnings.
Ideal if You
· Need a higher level of income protection
· Are a business owner, executive, doctor, lawyer, accountant, etc or a fee-for-service professional.
· Want quality disability coverage similar to the Professional Series, but that takes a different approach to providing long-term long-term individual disability income protection
The Foundation Series:
Customize your income protection with a wide range of choices
The Foundation Series™ policy provides total disability benefits and broad return to work assistance. Offering flexible options, we can design a policy to fit your needs and budget.
Ideal if You
· Are a small business owner or manager
· A tradesperson
· A farmer
· A middle-income earner
The Professional Series:
A disability insurance plan for high-income earners
The Professional Series® policy provides long-term disability coverage and return to work benefits that are designed around your unique needs.
Ideal if You
· Need a higher level of income protection
· Are a business owner, executive, doctor, lawyer, accountant, etc.
Location
400-494 Queen St,
Fredericton, NB, E3B 1B6
Office (506) 406-6100
© 2025 Plume Financial Services Inc.