Blue Cross Disability Insurance 2024: Review & contact
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If you are unable to work due to a disability, Blue Cross Disability Insurance could be an essential source of support for you. It provides monthly benefits that are tailored to your specific needs, whether you're self-employed, a business owner, or lack employer benefits.
But why choose Blue Cross Disability Insurance? Discover in our comprehensive review how it works, the plans it offers, and more.
Remember to use our free comparator to explore the top disability insurance plans in Canada. Compare their coverage and receive free personalized quotes to determine whether Blue Cross is the best fit for you, or if another plan might suit your needs better.
Blue Cross disability insurance: Key takeaways
- Blue Cross offers up to $10,000 monthly benefits.
- Coverage for self-employed and business owners.
- Flexible, customizable coverage options are available.
- Includes accident and illness coverage.
- No medical exam for certain plans.
Blue Cross Disability Insurance 2024 review
Blue Cross, renowned for its strong reputation, offers comprehensive disability insurance plans, including the popular Blue Vision with up to $10,000 monthly benefits. These plans cater well to a diverse clientele, including the self-employed, business owners, and those without employer benefits.
The flexibility in coverage, including options for accident-only or combined accident and illness protection, and the Express plan that requires no medical exam, make Blue Cross a versatile choice for many seeking reliable disability insurance in Canada.
We recommend you compare how Blue Cross fares against other popular disability insurance providers in Canada. You can do it right here using our free comparator tool below. Explore plans and get free quotes based on your unique needs right here using our free tool.
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Pros of Blue Cross disability insurance
- Renowned Canadian insurance company.
- Up to $10,000 monthly disability benefits (Blue Vision plan).
- Coverage for self-employed, business owners, and others without employer benefits.
- Customizable plans to fit your budget.
- Options for accident-only or comprehensive accident and illness coverage.
- Premium refund available.
- Bonus for returning to work.
- Express plan with no medical exam required.
Cons of Blue Cross disability insurance
- Advisor consultation is required for purchase.
- Minimum of 20 work hours per week.
- No premium refunds post 46 years of age.
Who offers Blue Cross disability insurance?
Blue Cross is a collective of not-for-profit health insurance organizations in Canada, boasting over 7 million members. This federation encompasses various regional not-for-profit entities, united under the Blue Cross banner.
Its affiliations with the global Blue Cross network and the Blue Cross Blue Shield Association in the U.S. extend its reach, offering an extensive network of top-notch service providers worldwide. Their Canadian associations 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 widely recognized for its health and dental insurance, catering to both individual and group clients. Additionally, it has a significant presence in the travel and life insurance sectors. The company also provides competitive disability insurance options for both groups and individuals.
However, it's important to remember that their product offerings and pricing may differ across various provinces and territories. The specifics mentioned in this article pertain to the offerings of Ontario Blue Cross.
Why sign up for Blue Cross disability insurance?
A disability insurance policy from Blue Cross will:
- Provide a monthly income for you and allow you to 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.
Good to know
Disability insurance is offered in two formats: Short-term and long-term. Read our extensive guides to know everything about short-term disability insurance and long-term disability insurance coverage in Canada. Get personal quotes in no time using our free comparator.
What does Blue Cross disability insurance offer?
Ontario Blue Cross offers several disability plans including:
- Blue Vision: Comprehensive Disability: This plan offers up to $ 10,000 monthly disability benefits. 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.
Good to know
It is essential to compare disability insurance providers before zeroing in on a plan. Use our free comparator to explore plans from popular providers like iA disability insurance, RBC disability insurance, and more.
How do I get Blue Cross disability insurance?
Blue Cross disability insurance coverage is available through licensed insurance brokers. Alternatively, reach one through the Ontario Blue Cross website or the Blue Cross association in your province.
You may compare disability insurance offers on HelloSafe's website to be put in contact with a disability insurance expert. Simply use our free comparator below to explore the best disability insurance options for you based on your unique needs.
Get a free disability insurance quote
How much does Blue Cross disability insurance cost?
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 policyholder | Monthly benefit desired | Approximate 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 |
How do I contact Blue Cross?
Blue Cross has different customer care numbers based on which region of Canada you reside in. The best way would be to access the Blue Cross website dedicated to your province.
Here are some contact details to begin with
| Provider | Contact Number | Availability |
|---|---|---|
| Medavie Blue Cross | 1-877-849-8509 | Monday to Friday, 8:00 AM - 5:00 PM local |
| Pacific Blue Cross | Lower Mainland: 604 419-2000 Toll-free: 1 877 722-2583 | Monday to Friday, 8:00 AM - 4:30 PM Pacific (Excluding statutory holidays) |
