Get the best disability insurance Alberta plans in 2024

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Alexandre Desoutter updated on 13 February 2024
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If you're unable to work because of a disability or injury in Alberta, the AISH and AADL programs provide essential financial and health benefits. However, for fuller coverage, adding a private disability insurance Alberta plan is wise.

While AISH income offers specific support, a private disability insurance Alberta plan can cover up to 60-85% of your income, creating a stronger safety net. This guide will help you find the right disability insurance, tell you how to apply for AISH, what disabilities qualify for AISH, and more.

Use our free comparator to compare the best disability insurance Alberta plans and get free personalized quotes so you can find a plan that suits you best.

Disability insurance Alberta: 6 Key takeaways

  1. Disability insurance covers 60%-85% of your income if you can't work due to illness or injury.
  2. In Alberta, disability benefits may reach 70% of pre-disability income.
  3. AISH offers financial and health benefits for eligible Albertans with severe handicaps.
  4. Disability insurance costs range from 1% to 9% of your yearly wage in Alberta.
  5. Opt for long term disability insurance Alberta plans for comprehensive coverage.
  6. Use the HelloSafe free tool to compare the best disability insurance plans and get quotes.

What is a disability insurance Alberta plan?

Disability insurance in Alberta 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.

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 often called group 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.

These plans are either long-term disability insurance or short-term disability insurance. Several providers give you the option to convert your short-term plans into long-term as well.

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 get free quotes, and compare the pricing and coverage features of the best disability policies in the market right here.

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Does Alberta offer provincial disability benefits?

Yes, Alberta offers provincial disability benefits through various programs, the most notable being the Assured Income for the Severely Handicapped (AISH) program. AISH provides financial and health benefits to eligible Albertans with a permanent disability that prevents them from earning a living.

In addition to AISH, the province also has Alberta Aids to Daily Living (AADL), which supports individuals with long-term disabilities, chronic illnesses, or terminal illnesses by covering some costs of medical equipment and supplies. These programs are designed to assist eligible residents in managing the financial and health-related challenges associated with disabilities.

How much are disability benefits in Alberta?

The benefit amount that 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.

What disabilities qualify for AISH?

Assured Income for the Severely Handicapped (AISH):

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 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.

Be it short-term or long-term, private disability insurance plans typically offer more comprehensive coverage than provincial disability benefits. If you want to get disability insurance, look no further. Use our free tool below to explore the best disability insurance Alberta plans, get free quotes, and start saving right now.

Get a free disability insurance quote

Compare insurance quotes now

What are AISH payment dates in 2024?

In 2024, payments for the Assured Income for the Severely Handicapped (AISH) and Income Support (IS) will be made four business days before the first of each month.

Month of assistanceBenefit payment dateDays between payments
February
02-01-2024
Thursday
41 days
March
02-26-2024
Monday
24 days
April
03-25-2024
Monday
27 days
May
04-25-2024
Thursday
30 days
June
05-28-2024
Tuesday
32 days
July
06-25-2024
Tuesday
27 days
August
07-26-2024
Friday
30 days
September
08-27-2024
Tuesday
31 days
October
09-24-2024
Tuesday
27 days
November
10-28-2024
Monday
33 days
December
11-26-2024
Tuesday
28 days
AISH payment dates

How to do an AISH application?

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

How to apply for AISH 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 AISH via mail?

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 right here. Your physician is required to fill it out.

Have trouble with the PDF?

If you're experiencing issues with opening fillable PDF forms on certain mobile devices or web browsers, try the following steps: First, save the PDF form to your computer by clicking or right-clicking the link and choosing the download option. Then, open the form using Adobe Reader, where you can fill it out and save your changes. Should you continue to encounter difficulties, please reach out to PDF form technical support for assistance.

What happens after you apply for disability in Alberta?

If you have not given all the necessary personal, financial, or medical information, an 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.

How to contact AISH?

Point of contactContact information
AISH Application Processing Center
Phone: 587-759-6810
Toll-free: 1-877-759-6810
Fax: 587-469-3006
Toll-free fax: 1-877-969-3006
To appeal an AISH decision
Visit the AISH - Appeal a Decision page.
For emergency assistance
If 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 fraud
Visit 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.

While these provincial benefits are essential, to get comprehensive coverage for you and your family, it is important to have a private disability insurance plan in Alberta, also given the rising healthcare costs and cost of living. If you want to explore the best disability insurance plans in Alberta and get personalized quotes, you can do it right here using our free comparator below.

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What is the best disability insurance in Alberta?

The optimal disability insurance Alberta plan varies according to your specific requirements, financial limits, and other personal factors. However, here are the top options for comprehensive and varied disability coverage from top providers like iA Financial, Canada Life, RBC, Manulife, and more.

Insurance PlanKey FeaturesKey CoverageGet a quote
iA Superior Program
(iA disability insurance)
  • Up to $10,000 monthly benefit
  • Nontaxable
  • Rehabilitation services
  • Premium waiver
  • Coverage during unemployment
  • Benefits for organ donation and death
Canada Life Independence Plan
  • Renewable
  • Various waiting/benefit periods
  • Total/partial disability benefits
  • $500 to $3,000 monthly benefits
  • Special provisions like hospitalization waiver
Beneva
  • Up to $72,000 per year
  • Combines with group insurance
  • Premium refunds
  • Renewable to age 65
  • Total or partial disability coverage
Humania Income Insurance - Accident and Sickness
  • Offers up to $10,000 monthly for total or partial disability
  • Choice of benefit periods, and waiting periods
  • Premiums guaranteed for the first 5 years
  • A monthly benefit of up to $10,000 for total or partial disability, with a choice of benefit period up to 65 years
  • Waiting periods of 14, 30, 90, or 120 days
  • Up to $1,000 per month for less traditional working scenarios
RBC Professional Series®
  • Comprehensive benefits for total/partial disability
  • Non-cancellable, recovery benefit
  • Up to age 65 coverage
  • Healthcare profession rider
  • Retirement protector

Manulife Personal Accident Disability Insurance (long term disability insurance manulife)
  • Accident and partial disability benefits
  • Hospitalization, and rehabilitation benefits
  • Up to $6,000 monthly
  • Customizable benefit periods and add-ons
RBC Quantum®
  • Income protection for partial loss
  • Return to work assistance
  • Benefit integration
  • Benefits till age 65
  • Various premium options
  • Family care and retirement riders
Humania Assurance - Accident
A broad range of occupational classes
  • Coverage options include a monthly benefit of up to $6,000
  • Choices of waiting periods and benefit periods for customization.
  • Special conditions adjust benefits and definitions based on age and employment status after 70 or if unemployed for more than 90 days.

RBC Bridge Series®
  • Total disability benefits
  • Return to work assistance
  • Renewable till age 65
  • Level premiums
  • Compassionate care
  • Occupation extension benefits
RBC The Foundation Series™ Policy
  • Total disability benefits
  • Flexible benefit periods
  • Return to work assistance
  • Non-cancellable to age 65
  • Medical Confidence™ service
  • Long-term care conversion option
  • Simplified application with just one health question
  • No financial documentation is required for coverage
  • Competitive pricing
iA Acci-Jet Program
  • Up to $6,000 monthly
  • No medical exam
  • Premium waiver
  • Recurrent disability benefits
  • Coverage extension to age 75
Best disability insurance in Alberta

What do disability insurance Alberta plans cost?

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:

FactorExplanation
Age
If 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. 
Gender
Recent 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. 
Occupation
Your occupation has a greater impact on the cost of your disability program than your income. As a result, the riskier your job is, the more expensive your insurance will be.
Health
Insurance 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 status
With 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

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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Alexandre Desoutter
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Alexandre Desoutter has been working as editor-in-chief and head of press relations at HelloSafe since June 2020. A graduate of Sciences Po Grenoble, he worked as a journalist for several years in French media, and continues to collaborate as a as a contributor to several publications.

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