Get the Best Alberta Disability Insurance for 2022

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Life has a tendency to surprise us, and it isn't always in a positive way. That is why we have disability insurance, in case the unimaginable occurs and we are temporarily or permanently unable to work.

This article will cover many details about disability insurance in Alberta, such as the costs and benefits of obtaining disability insurance.

What is disability insurance?

Disability insurance is a product that can assist you and your family if you are unable to work due to an unexpected sickness or accident. On average, disability insurance covers between 60% and 85% of your usual income for a set period, up to a maximum amount, if due to an injury or sickness:

  • You are temporarily unable to work or
  • You are permanently incapacitated. 

Important to highlight that the term "permanent" relates to the nature of the impairment. It does not imply that you will continue to receive advantages indefinitely.

Employers typically provide disability insurance, but you can also obtain your plan through a life and health insurance agent. Whether you're self-employed, you also can purchase disability insurance, which will cover a large portion of your business expenses if you're unable to work.

if you're seeking a reputable disability insurance carrier or if you're unhappy with the one you now have, try our comparison tool. Quickly compare pricing and coverage features of the best disability policies in the market.

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How much are disability benefits in Alberta?

The benefit amount which an employee will receive will be around 70% of the employee's pre-disability income, effective after the elimination period has ended.

Assuming you qualify for AISH Alberta, you could get a monthly living allowance (up to $1,685), a monthly child benefit, health benefits to cover topics such as prescription drugs and dental treatments, and a variety of other benefits tailored to your unique circumstances.

How to apply for disability in Alberta?

You have 2 options to apply for disability in Alberta: online or not online. 

How to apply for disability in Alberta online?

The process is simple, all you need to do is

  • Access their application portal.
  • Fill out the information requested and upload all the necessary paperwork.

How to apply for disability in Alberta if you can’t apply online:

If you don’t have regular access to the internet or just prefer to get things done the old way, that’s ok too. You can download the AISH Application Form in PDF here, fill it out and send it to:

  • Mail: AISH, PO Box 17000 Station Main, Edmonton, Alberta  T5J 4B3
  • Fax: 1-877-969-3006 (toll-free, Alberta)

What about the medical report?

If the doctor has given you the Medical Report form you can submit it as part of your online AISH application, or you can download the AISH Medical Report form from the Alberta disability program here. Your physician is required to fill it out.

What happens after you apply for disability in Alberta?

If you have not given all the necessary personal, financial, or medical information, and AISH staff member may ask for more details. 

Upon acceptance of your application: 

  • You'll hear from someone on the phone and get written confirmation that you qualify for AISH;
  • you will be contacted by phone or mail to arrange a meeting with an AISH representative; 
  • Your benefits will be retroactive to the previous month AISH has obtained all the data necessary to accept your application.

If your application is rejected you will receive a letter outlining the following: 

  • The reason why you are not eligible for Alberta disability benefits, there may be financial, health-related, or other factors preventing you from receiving AISH; 
  • How to update AISH with new details that demonstrate a change in your circumstances;
  • How to contest the decision; 
  • How to get in touch with the nearest AISH office or the AISH Application Processing Center if you have questions. 
  • Discover information on other financial and health benefit programs that you could be eligible for.

Disability insurance Alberta: contact information

Point of contactContact information
AISH Application Processing CenterPhone: 587-759-6810
Toll-free: 1-877-759-6810
Fax: 587-469-3006
Toll-free fax: 1-877-969-3006
To appeal an AISH decisionVisit the AISH - Appeal a Decision page.
For emergency assistanceIf you need help with an emergency during weekdays from 8:15 am until 4:30 pm, contact your AISH worker or local AISH Office 
Phone: 780-644-5135
Toll-free: 1-866-644-5135
Email: [email protected]
Report suspected fraudVisit the Report suspected fraud page.
AISH contact info

What is the child disability benefit in Alberta?

The Family Support for Children with Disabilities (FSCD) program collaborates with eligible families with children with disabilities to assist parents in the following ways: 

  • Providing resources and services to assist in raising the child and promoting their healthy growth;
  • Maintain guardianship, decision-making authority, and the costs of raising a child until they reach the age of 18; 
  • Encouraging the child to participate in both home and community activities; 
  • Managing some of the expenses associated with the child's disability.

How much does disability insurance cost in Alberta?

In Canada, including Alberta, disability insurance premiums typically range from 1% to 9% of your yearly wage. In addition, the following factors can influence the price:

AgeIf you are younger, you will pay less for disability insurance and many other health-related products. Disability insurance costs are lower for younger persons since they are less likely to have a disability. 
GenderRecent studies show that women are more prone than men to file disability claims, which are likely to be more costly. As a result, while women may pay less for life and auto insurance, they may pay a greater premium for disability insurance. 
OccupationYour occupation has a greater impact on the cost of your BC disability program than your income. As a result, the riskier your job is, the more expensive your insurance will be.
HealthInsurance companies, like any other life or health insurance business, look at your medical history to see if you qualify for disability coverage and, if so, how much it will cost. 
Smoking statusWith 45,000 deaths per year, smoking (or tobacco use) is the biggest cause of disability and early death in Canada. As a result, quitting smoking provides various health benefits, including cheaper disability insurance rates and/or better insurance payouts.
Disability insurance cost factors

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What qualifies you for disability in Alberta?

AISH (Assured Income for the Severely Handicapped) and Alberta Aids to Daily Living (AADL) are two forms of disability payments available in Alberta. You may be eligible for both at the same time under the right set of circumstances. 

Assured Income for the Severely Handicapped (AISH):

AISH Alberta is a package of financial and health benefits accessible to qualifying Alberta citizens. To qualify for AISH disability benefits you must:

  • Have a permanent medical condition that stops you from earning a living and that cannot be remedied through medical treatment, therapy, rehabilitation, or training;
  • Be at least 18 years old, not eligible for Old Age Security;
  • Be a Canadian citizen or permanent resident;
  • Live in Alberta. 

To learn more about the formal process AISH uses to establish an applicant's eligibility, visit their official website.

Alberta Aids to Daily Living (AADL)

The AADL is another disability benefit offered to qualifying Alberta residents. This program is designed to assist anyone with a long-term disability, chronic sickness, or terminal illness with the cost of basic medical equipment and supplies such as:

  • Oxygen;
  • Walking aids;
  • Wheelchairs, and other medical supplies. 

To be eligible for AADL, you must be evaluated by a medical professional to determine your eligibility and determine your basic medical needs. Your assessment must be conducted by an accredited AADL specialist to qualify for some medical equipment.

How long is a short-term disability in Alberta?

A period of disability that lasts less than a year and qualifies for income replacement compensation is referred to as short-term disability. The period of incapacity might range from 17 to 52 weeks, depending on the plan. Therefore, to be qualified for short-term disability, you must be unable to perform the fundamental responsibilities of your job.

How to apply for short-term disability in Alberta?

To apply for short-term disability you do it by filling out a form and sending it to the insurance company or benefits administrator. Next, they'll assess your claim and either approve or deny it. 

If you are approved, you will be paid biweekly for 17 to 52 months. 

It's important to understand that your plan determines the length of your benefits, but since it is a short-term disability program, it will always be under a year.

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What are Alberta's disability payment dates in 2022?

The payments for the year 2022 will be made at midnight on the following dates:

  • December 22, 2021 (January benefits)
  • February 1 (February benefits)
  • March 1 (March benefits)
  • April 1 (April benefits)
  • April 29 (May benefits)
  • June 1 (June benefits)
  • June 30 (July benefits)
  • July 29 (August benefits)
  • September 1 (September benefits)
  • October 1 (October benefits)
  • November 1 (November benefits)
  • December 1 (December benefits)
  • December 21 (January benefits)

How does the Alberta disability tax credit work?

The Alberta disability tax credit has been made to increase tax equality by reducing the burden of handicap expenditures, which are unavoidable extra expenses that do not apply to other taxpayers. People with disabilities and those who care for them can reduce their income tax obligations with the help of the disability tax credit, a non-refundable tax benefit. 

To qualify you need to meet the following criteria:

  • You must have a serious physical or mental impairment; 
  • The disability has to be present for at least a year;
  • At least 90% of your time must be spent under restrictions.

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