iA Disability Insurance 2025 review, contact, free quotes
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Discover the methodologyiA Disability Insurance provides tailored solutions to protect your income, offering up to $15,000 per month for professionals, self-employed workers, and manual labourers. With four customizable plans, it covers everything from business expenses to loan repayments and accident coverage starting at $7/month.
Features like premium waivers, rehabilitation support, and flexible benefits make it ideal for diverse needs. But is it the right choice for you?
In this iA disability insurance review, we take you through everything from coverage options, cost, pros, cons, and who it's best for. Use our free tool to compare iA disability insurance quotes with other providers, and find a policy that suits you best.
iA disability insurance: 5 Key Points
- Offers up to $15,000 monthly for disability income.
- Includes specific plans for small business overhead expenses.
- Provides access to professional rehabilitation programs.
- Features options like partial disability benefits and premium waivers.
- Available to immigrants in Canada for over three years.
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Our iA disability insurance review for 2025
If you’re looking for reliable, flexible disability insurance to protect your income and financial commitments, iA Disability Insurance is a strong contender. It offers four distinct plans, Superior Program, Acci-Jet Program, ACCI 7 Plus, and Universal Loan Insurance, each designed to address specific needs, whether you’re a salaried employee, self-employed, a manual labourer, or someone managing multiple loans.
The Superior Program is a standout option for professionals, self-employed workers, and business owners. It not only replaces your income—up to $15,000 per month—but also covers business overhead expenses like rent or maintenance. This makes it particularly valuable for entrepreneurs who want to safeguard both their personal and business finances during a disability.
Unlike some competitors like Sun Life disability insurance, iA’s business coverage is more extensive and specifically tailored for business owners, making it a top choice if you’re self-employed.
For manual labourers or workers in high-risk jobs, the Acci-Jet Program provides straightforward coverage for accidents, with no medical exams required. Whether you’re in construction or transportation, you can get up to $6,000 per month in non-taxable benefits. Its flexibility—covering you 24/7 or only during off-hours—ensures you’re protected based on your unique work situation.
If debt is your main concern, the Universal Loan Insurance plan simplifies things by covering all your loans—mortgage, car payments, credit cards, or even rent—under one policy. This is an excellent choice for families and young professionals juggling multiple financial obligations. Compared to bank-provided loan insurance, iA’s policy is often more affordable and comprehensive.
Lastly, the Acci 7 PLUS plan is perfect if you’re looking for accessible, affordable accident insurance. Starting at just $7 per month, it’s ideal for those on a budget, newcomers to Canada, or even retirees who need supplemental coverage. Its simplicity and flexibility let you choose the exact protections you need, from disability to extended medical care.
That said, iA Disability Insurance may not be for everyone. If you’re seeking catastrophic disability coverage or need a highly integrated policy, competitors like Manulife disability insurance might be a better fit. Additionally, those between jobs or with very specific health conditions may find eligibility restrictions challenging.
Expert advice
iA Disability Insurance is best for self-employed workers, professionals, and individuals with financial responsibilities like loans or business expenses. Its customizable options and strong focus on income and loan protection make it one of Canada’s most flexible and dependable disability insurance providers.
If you think iA might be the right choice for you, you can go ahead and get personalized quotes right here on this page. Click the button below and get free quotes from iA disability insurance based on your unique needs.
Pros of iA disability insurance
- Disability Insurance Assistant
- Renowned among Canada's top insurance companies.
- Offers a wide range of plans, including accident insurance.
- Provides up to $10,000 per month for disability income.
- Overhead expense insurance up to $6,000 per month for small business owners.
- Access to professional rehabilitation programs.
- Available to immigrants in Canada for over three years.
- Waiver of premium for total disability.
- Partial disability option with up to 50% benefits for part-time work.
- Return of premiums option.
- No medical exam is required (Acci-Jet Program).
Cons of iA life insurance
- Purchase requires an advisor
- Insurance cannot be purchased online
- May not be available to immigrants who have been in Canada for fewer than 3 years
You must compare iA with other providers before zeroing in. You can use our free comparator below to compare the best disability insurance plans in Canada and get personalized quotes in no time.
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Who offers iA disability insurance?
iA Disability Insurance is offered by iA Financial Group (Industrial Alliance Insurance and Financial Services Inc.), one of Canada's leading insurance and wealth management companies. Founded in 1892, iA Financial Group has a rich history of providing reliable and innovative financial solutions for individuals and businesses. With over a century of expertise, the company has built a strong reputation for stability, transparency, and customer-centric service.
iA Financial Group is backed by exceptional financial strength, demonstrated by its solid credit ratings from major rating agencies like A.M. Best and Standard & Poor's. As one of the largest insurance companies in Canada, iA manages billions of dollars in assets and serves over 4 million clients nationwide.
This financial foundation ensures that policyholders can trust iA to fulfill its commitments, making it a safe and dependable choice for disability insurance and other financial products. Whether you're seeking personal or business coverage, iA's long-standing legacy and robust financial stability provide peace of mind when it matters most.
Why sign up for iA disability insurance?
- Financial Security: Ensures a steady income if you're unable to work due to illness or injury.
- Inclusive Plans: Suitable for a wide range of individuals, including long-term immigrants.
- Comprehensive Coverage: Options like the waiver of premium and partial disability benefits.
- Flexible Options: Acci-Jet Program offers coverage without a medical exam.
- Support for Small Business Owners: Overhead expense insurance caters to specific business needs.
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.
How much does iA disability insurance cost?
iA disability insurance cost, or any other disability plan, varies widely based on the following factors:
- Age
- Health
- Occupation
- The amount of disability coverage desired
- The waiting period you choose
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 |
You can get personalized iA disability insurance quotes for free using our special partner link below. Get the best rates in seconds.
iA disability insurance costs
- Disability insurance typically costs 1-3% of your annual income, with premiums being lower for younger and healthier applicants.
- High-risk occupations and shorter waiting periods increase costs, while longer waiting periods can save money.
- Women may face slightly higher premiums due to higher claim rates, and adding policy riders also impacts costs.
- Employer group plans can be a cheaper alternative to individual policies.
What disability insurance plans does iA offer?
iA disability insurance offers 4 primary disability insurance options. From income replacement to loan protection, these plans are designed to provide financial stability during times of illness or injury. Below is an overview of the four key plans:
Overview of iA Disability Insurance Plans
| Plan | Target Audience | Coverage | Key Features |
|---|---|---|---|
| Superior Program | Salaried employees, self-employed, and business owners | Up to $15,000/month income replacement and business overhead expense |
|
| Acci-Jet Program | Manual labourers and high-risk workers | Up to $6,000/month for accidents |
|
| Universal Loan Insurance | Borrowers with loans or rent payments | Up to $10,000/month for loan and rent payments |
|
| Acci 7 PLUS | Individuals seeking affordable and flexible coverage | Flexible coverage starting at $7/month per unit |
|
Here is a detailed breakdown of each plan:
Superior Program
The Superior Program is ideal for salaried employees, self-employed individuals, and business owners. It provides complete income replacement protection and covers business overhead expenses during periods of disability.
Key Features:
- Nontaxable monthly benefits up to $15,000
- Business overhead expense coverage up to $15,000/month
- Coverage for accidents and illnesses
- Guaranteed renewal up to age 70
- Built-in benefits like waiver of premiums and recurrent disability coverage
- Professional rehabilitation support and toll-free legal/medical advice
- Optional riders for partial disability, return of premiums, and extended coverage
If you want to be sure iA Disability Superior Program is the right choice for you, you can get personalized quotes right here. Click the button below and get free and instant quotes.
Acci-Jet Program
Designed for manual labourers and high-risk workers, this program offers financial protection for disabilities caused by accidents. It’s a simplified issue plan requiring no medical exams.
Key Features:
- Monthly, nontaxable benefits up to $6,000
- Coverage for business fixed expenses up to $6,000/month
- Available to individuals up to 69 years old
- Guaranteed renewal to age 70
- Optional illness coverage and partial disability benefits
- Riders for accidental fractures, travel insurance, and extended medical care
If you want to be sure iA disability Acci-Jet Program is the right choice for you, you can get personalized quotes right here. Click the button below and get free and instant quotes.
Universal Loan Insurance
Universal Loan Insurance protects borrowers by covering all loans under one policy, making it easier to manage finances during a disability. It is perfect for borrowers who want to cover multiple loans or rent payments under one policy.
Key Features:
- Covers mortgage, rent, credit card payments, car loans, and more
- Monthly, nontaxable benefits up to $10,000
- Benefits are not integrated with other disability plans
- Built-in benefits like recurrent disability coverage and premium waivers
- Optional coverage for partial disability and return of premiums
- Coverage is transferable between loans as circumstances change
Acci 7 PLUS
Acci 7 PLUS is a highly customizable and affordable accident insurance plan. With flexible coverage starting at $7 per month, it caters to a wide range of needs. It is a great option for those seeking affordable and customizable accident insurance with minimal eligibility requirements.
Key Features:
- Benefits for disability, accidental death, fractures, extended medical care, and hospital stays
- Non-taxable benefits paid within 7 days
- Affordable and accessible for ages 0 to 74
- No medical exam required
- Coverage up to $350,000 for accidental death or dismemberment
- Hospital benefits for accidents and illnesses
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 BMO disability insurance, RBC disability insurance, and more.
For more detailed information on each plan, it's recommended to visit the iA website or contact an iA advisor. For more on iA's disability insurance see the pdf below.
How do I apply for iA insurance?
You can get quotes from iA right here on this page. Click the button below and get instant quotes based on your unique needs and budget.
We recommend that you compare multiple providers before deciding iA is the right choice for you. You can use our comparator below to compare Canada's best disability insurance plans and get free quotes in a few quick steps right here.
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How do I contact iA disability insurance?
iA offers various contact options for inquiries, including a toll-free telephone number, a fax number, and a physical address in Montreal.
| Contact Method | Details | Availability |
|---|---|---|
| Telephone | Toll-free: 1-800-465-5818 | Monday to Friday, 8:30 a.m. - 5:00 p.m. |
| Address | 1611 Crémazie Blvd E, Ste 900, Montreal, Quebec H2M 2P2 | Monday to Friday, 8:30 a.m. - 5:00 p.m. |
| Fax | Toll-free: 1-877-553-6242 | Monday to Friday, 8:30 a.m. - 5:00 p.m. |
How to file an iA disability insurance claim?
Filing a disability insurance claim with iA Financial Group is a straightforward process designed to support you during challenging times. Here's how to proceed:
Steps to File an iA Disability Insurance Claim
Filing your disability insurance claim with iA is straightforward. Follow these simple steps:
- Visit the iA Disability Claim Page: Start by accessing the iA disability claim page to find the necessary forms and detailed instructions.
- Complete the Required Forms:
- Policyholder’s Statement: Provide details about your policy and employment.
- Member’s Statement: Explain the nature of your disability and how it affects your ability to work.
- Attending Physician’s Statement: Have your doctor fill out this form to provide medical evidence supporting your claim.
- Gather Supporting Documents: Collect any additional documents required, such as medical reports or proof of income.
- Submit Your Claim: Send the completed forms and documents via email, fax, or mail. Refer to the Contact Information Table in the next section for the appropriate contact details based on your location.
- Claim Review: iA Financial Group will assess your claim and may reach out for additional information if needed.
- Receive a Decision: Once the review is complete, you’ll be informed of the decision and, if approved, the benefit payment schedule.
Expert advice
When filing an iA Disability Insurance claim, start early and ensure all forms, including the Attending Physician’s Statement, are thoroughly completed. Use the correct contact details for submission and keep copies of everything for your records. Providing accurate and complete documentation helps avoid delays, and following up with iA’s customer service if needed ensures your claim is processed smoothly.
Contact Information for iA Disability Insurance Claims
| Method | Quebec Residents | Residents of Other Provinces |
|---|---|---|
| [email protected] | [email protected] | |
| Fax | 1-877-799-6691 | 1-877-781-1583 |
| iA Financial Group P.O. Box 790, Station B Montreal, Quebec H3B 3K6 | iA Financial Group 522 University Avenue, Suite 400 Toronto, Ontario M5G 1Y7 |
Heard of long-term disability lawyers?
In Canada, around 60% of long-term disability claims are rejected, often including valid claims, typically on the grounds of the disability not being deemed severe enough. Insurers may also anticipate that claimants will not appeal these decisions. Disability insurance lawyers play a vital role in managing and overturning such rejections. Reading our detailed guide on long-term disability lawyers, covering their functions, selection, and fees, can provide valuable insights.
