Blue Cross Disability Insurance Review: Is It Right For You?

James Rodriguez James Rodriguez updated on 2022-10-24

Long-term disability insurance is a powerful tool for assuring that your and your family’s financial future will be secure.

If an illness or injury were to prevent you from working for an extended period or permanently, an individual LTD insurance policy can make a big difference. Long-term disability policies in Canada may replace up to 85% of your previous monthly income, more than enough to keep your mortgage paid and family secure while you concentrate on getting better.

This page breaks down Blue Cross’s disability insurance products. See our review, coverage options and much more.

Who is Blue Cross?

Blue Cross refers to a set of not-for-profit health insurance providers in Canada. It counts more than 7 million members in Canada. Affiliations with the international Blue Cross networks and the BlueCross BlueShield Association in the United States means a network of great service providers across the world.

In Canada Blue Cross is made up of a federation of regional not-for-profit organization. These include:

  • Alberta Blue Cross (serving Alberta and the Northwest Territories)
  • Ontario Blue Cross (part of Canassurance Hospital Service Association)
  • Manitoba Blue Cross (Manitoba and Nunavut)
  • Quebec Blue Cross (part of Canassurance Hospital Service Association)
  • Pacific Blue Cross (serving BC and Yukon)
  • Saskatchewan Blue Cross
  • Medavie Blue Cross (serving Ontario, Quebec, New Brunswick, Nova Scotia, PEI, and Newfoundland and Labrador).

Blue Cross is best known as a health and dental insurance provider with both personal and group offerings. It is, however, a big player in the travel insurance and life insurance industries. It offers competitive group and individual disability insurance offering.

It's important to note that products offerings and pricing can vary across provinces and territories. This article refers to Ontario Blue Cross's offerings.

Why sign up for Blue Cross disability insurance?

A LTD policy from Blue Cross will:

  • Provide a monthly income for you and allow you support your lifestyle financially in the event illness or injury prevents you from working in the future.
  • Give you the means to keep paying your mortgage.
  • Pay for day-to-day expenses.
  • Protect your savings and those of your household.

Blue Cross provides multiple disability insurance products. An insurance broker or Blue Cross advisor can help you to pick coverage that fits your needs and profile.

To compare Blue Cross's offer with other disability insurance plans in Ontario, British Columbia, Alberta and beyond, shop around using our free online comparison tool below:

Get a free disability insurance quote

Compare insurance quotes now

Our Blue Cross disability review:

Blue Cross is a major insurance provider in Canada, but not every plan is perfect for everyone. Here is what we like about Blue Cross’s disability insurance offer and what to keep in mind as you compare coverage options.

Pros of Blue Cross disability insurance:

Reputation - one of Canada's top insurance companies
Up to $10 000 of disability insurance benefits per month (Blue Vision plan)
Coverage available for the self-employed, business owners and those who don't receive benefits through an employer. Helps to protect your family financially
Flexible coverage, create a plan to match your budget with customizable waiting and benefits periods
Accident only or accident and illness coverage
Premium refund option
Return-to-work bonus
Express plan - Monthly indemnity available with no medical exam

Cons of Blue Cross life insurance:

Purchase requires an advisor
20 hours per week worked minimum
Premium refund not available after you turn 46 years old

Good to know

Disability insurance can be a confusing topic since it includes public programs and private insurers who provide short-term and long-term coverage. Need some help? Our guide to disability insurance has you covered.

What disability insurance plans does Blue Cross offer?

Ontario Blue Cross offers a number of disability plans including:

-Blue Vision: Comprehensive Disability - This plan offers up to $10 000 monthly disability benefit. It is perfect for business owners, self-employed and those seeking individual coverage.
-Blue Vision: Monthly Indemnity - This plan offers up to $2000 monthly disability benefits. It's designed for retirees, students, part-time employees and people working hazardous jobs.
-Mortgage Disability Insurance- - This plan offers up to $6000 per month and will protect your mortgage for either 24 months or until it is paid off.
-Express: Monthly indemnity- - Finally, this plan offers up to $1000 per month for 1 year. The best part? It's available with no medical exam.

For more on Blue Cross's disability insurance see the pdf below.

How do I apply for Blue Cross insurance?

Blue Cross disability insurance coverage is available through licensed insurance brokers. Alternatively reach one through the Ontario Blue Cross website.

You may compare disability insurance offers on HelloSafe's website to be put in contact with an disability insurance expert.

Get a free disability insurance quote

Compare insurance quotes now

How much does Blue Cross disability insurance cost?

Unfortunately, it is difficult to provide a price range for Blue Cross disability insurance. Disability insurance pricing varies widely based on the following factors

  • Age
  • Health
  • Occupation
  • The amount of disability coverage desired
  • The waiting period you choose

For general information, the table below summarizes the average price of disability insurance with a 90-day waiting period for various ages and coverage amounts. This is meant solely to provide a rough indication before speaking with an advisor and your pricing will vary.

Age of policyholderMonthly benefit desiredApproximate monthly price
20$2000$19
20$4000$39
30 $2000$24
30$4000$48
40 $2000$50
40$4000$102
50$2000$62
50$4000$126
Estimate of Blue Cross disability insurance prices

Ready to get real quotes on a disability insurance plan that works for you?

Get a free disability insurance quote

Compare insurance quotes now

How do I contact Blue Cross’s life insurance?

Need to reach Blue Cross because of a policy question, claims request or to inquire about a policy? Here's how:

You can reach Ontario Blue Cross insurance by calling the following numbers:
Local: 416-646-2585
Toll-free: 1-866-732-2583

For inquiries related to life insurance you may email: [email protected]

Their mailing address is:
Ontario Blue Cross
185 The West Mall
Suite 610
Etobicoke, Ontario M9C 5P1