Best disability insurance Manitoba in 2025: Free quotes
- Monthly benefits not subject to taxation
- Professional rehabilitation program
- Premium waiver in case of total disability
- 4 optional coverage endorsements available
- Monthly benefits not subject to taxation
- Professional rehabilitation program
- Premium waiver in case of total disability
- 4 optional coverage endorsements available
The Superior Program by iA Financial Group is a flexible and inclusive disability insurance option offering up to $120,000 in total coverage, available to individuals working as little as 21 hours per week, with no minimum income requirement - a rare feature in this market. It accommodates a broad spectrum of occupations, from class 4A to C, and provides non-taxable monthly benefits, boosting its real value in case of a claim. Notably, it includes access to a vocational rehabilitation program, supporting the return to work after a disability. The policy can be renewed until age 70 and offers four optional riders to tailor protection to individual needs. Its design is particularly welcoming to newcomers to Canada, who often face barriers with more traditional underwriting.
Ideal profile:
Best suited for self-employed professionals, part-time workers, or recent immigrants who may not meet typical income thresholds but still want meaningful protection against income loss due to disability.
- No minimum pre-tax income required
- Non-taxable monthly benefits
- Vocational rehabilitation support included
- Renewability up to age 70
- Strong flexibility with optional riders
- Maximum coverage capped at $120,000
- Limited to occupational classes 4A to C (excludes higher-risk jobs)
- Riders not automatically included—extra cost may apply
- Total or partial disability
- Combines with group insurance
- Premium refunds
- Total or partial disability
- Combines with group insurance
- Premium refunds
Beneva’s Disability Insurance provides accessible coverage up to $72,000, targeting a wide range of professionals in classes 4A to B—without requiring a minimum income or medical questionnaire, making it especially easy to qualify. It can be renewed until age 65 and offers the option to combine with existing group insurance, which can increase overall benefits. A standout feature is its premium refund option, which allows policyholders to recoup some costs if no claim is made. With four optional riders, this plan is adaptable to personal and professional needs while remaining simple and inclusive.
Ideal profile:
Great for freelancers, part-time professionals, or newcomers to the workforce seeking basic, hassle-free protection—especially those looking for insurance without needing to prove income or undergo medical underwriting.
- No income or medical requirements
- Premium refund feature adds long-term value
- Can be combined with group coverage
- Four optional riders for customization
- Coverage limit of $72,000 may be too low for high earners
- Not renewable beyond age 65
- Restricted to lower-risk occupational classes (4A to B)
- Option for total or partial disability
- 13 optional coverage endorsements available
- Included rehabilitation benefit
- Indemnity periods of 24, 60, 120 months
- Option for total or partial disability
- 13 optional coverage endorsements available
- Included rehabilitation benefit
- Indemnity periods of 24, 60, 120 months
Canada Life’s Independence Protection Insurance stands out with an impressive maximum coverage of $300,000, making it one of the most robust individual disability insurance products available. Aimed at professional classes 4A to B, it requires a minimum net income of $35,000, balancing accessibility with comprehensive protection. The plan offers up to 120 months of benefits, a partial disability option, and a generous suite of 13 optional riders to tailor coverage. With non-cancellable terms until age 65 and no medical questionnaire required, it delivers strong stability and flexibility—particularly attractive for those with fluctuating employment patterns, like part-time or seasonal workers.
Ideal profile:
Designed for mid- to high-income earners such as self-employed consultants or gig economy professionals who meet the income threshold and want long-term, customizable protection without medical underwriting.
- Very high coverage ceiling ($300,000)
- No medical exam required
- 13 optional riders allow detailed customization
- Partial disability coverage included
- Long benefit period (up to 10 years)
- Requires minimum net income of $35,000
- Only available to occupational classes 4A to B
- Not renewable beyond age 65
- Premiums guaranteed for the first 5 years
- Critical illnesses automatically included
- Premium return at 20 years
- Premiums guaranteed for the first 5 years
- Critical illnesses automatically included
- Premium return at 20 years
Humania’s Prohealth Accident and Sickness Insurance is a highly inclusive plan offering up to $120,000 in coverage, open to all professional classes and requiring no minimum income or medical questionnaire, making it easy to access for a wide audience. It includes critical illness coverage by default, which is uncommon in this segment, and offers a premium refund every 20 years, adding long-term financial value. The plan is renewable until age 65, with premiums guaranteed for the first five years, providing stability and predictability. Its simplicity and wide eligibility make it a standout for those needing straightforward, all-in-one coverage.
Ideal profile:
Perfect for blue-collar workers, self-employed individuals, or newcomers to Canada looking for hassle-free, broad-spectrum protection that combines disability and critical illness in one plan.
- No income or medical requirements
- Covers all occupational classes
- Includes critical illness coverage automatically
- Premium refund every 20 years
- Guaranteed premiums for 5 years
- Coverage capped at $120,000
- No renewal beyond age 65
- Fewer customization options compared to higher-end products
- Offers a wide range of products tailored to different profiles and needs
- Competitive premiums and rates
- Personalised cover and optional benefits
- Access to disability assistance and support services
- Offers a wide range of products tailored to different profiles and needs
- Competitive premiums and rates
- Personalised cover and optional benefits
- Access to disability assistance and support services
RBC’s Professional Series® Policy is a solid mid-range disability insurance plan offering up to $72,000 in coverage, targeting professional classes 4A to A. It requires a relatively low minimum income of $6,000 annually and at least 30 hours of work per week, balancing accessibility with traditional underwriting standards. The plan is non-cancellable until age 65, ensuring long-term stability, and includes partial and residual disability benefits, which are crucial for gradual return-to-work scenarios. It also features seven optional riders for added flexibility and is available without a medical questionnaire, simplifying the application for healthy applicants.
Ideal profile:
Ideal for full-time salaried professionals, especially those early in their careers or earning a modest income, who want dependable protection with strong built-in benefits and the option to expand coverage.
- Non-cancellable until age 65
- Partial and residual disability coverage included
- Low income requirement ($6,000/year)
- Seven riders available for customization
- No medical exam needed
- Limited to professional classes 4A to A
- Maximum coverage capped at $72,000
- Requires minimum 30 hours of work per week
Disability insurance plans provide financial support to individuals unable to work due to a disability. In Manitoba, disability insurance includes government-provided plans like the Employment and Income Assistance for Persons with Disabilities and the Canada Pension Plan Disability Benefit.
Additionally, private disability insurance Manitoba plans are available through various insurance companies, offering customizable coverage levels and terms. But how do they work? We've got you covered.
This guide comprehensively explores disability insurance in Manitoba, covering aspects such as available coverage, the best options, pros, cons, costs, and more. Use our free comparator to compare top disability insurance Manitoba plans and receive free quotes tailored to your specific needs and budget.
Disability Insurance Manitoba: 5 Key Takeaways
- Options range from employer-sponsored plans to individual policies.
- Government programs like Manitoba Employment and Income Assistance provide additional support.
- They offer financial assistance rather than income replacement.
- Premiums vary based on factors such as age, health, and coverage details.
- Top private providers: Manulife, Sun Life, RBC Insurance, and TD Insurance.
What is disability insurance?
Disability insurance is a type of insurance that provides financial protection if you become ill or injured and are unable to work. It helps replace lost income so you can meet your living expenses while you're recovering or if you're permanently disabled.
There are two main types of disability insurance:
- Short-term disability insurance: This type of insurance typically provides benefits for a limited time, such as three months to two years.
- Long-term disability insurance: This type of insurance provides benefits for a longer period, such as five years or even to retirement age.
There are several reasons why you might need disability insurance:
- Accidents: Accidents are the most common cause of disability, and they can happen to anyone at any time.
- Illnesses: Illnesses such as cancer, heart disease, and stroke can also lead to disability.
- Mental health conditions: Mental health conditions such as depression and anxiety can also make it difficult to work.
Before choosing any plan, make sure to shop around and compare different plans — their cost, coverage, and limitations. You can do it right here, using our comparator below. Explore Canada's best plans and get free quotes in no time.
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Disability insurance Manitoba: What are the options?
There are several options for disability insurance in Manitoba, depending on your specific situation and needs. Here are some ways to get disability insurance in Manitoba:
Employer-sponsored plans
- Group disability insurance: Many employers in Manitoba offer group disability insurance as part of their employee benefits package. This is often a cost-effective option with guaranteed acceptance, regardless of your health history. Check with your employer to see if they offer this type of coverage and what the details are.
- Individual disability insurance: Some employers also allow employees to purchase individual disability insurance policies through their benefits plan. This can be a good option if the group coverage is not sufficient or if you want to customize your coverage.
Individual policies
- Life and health insurance companies: Many life and health insurance companies offer individual disability insurance policies. These policies are typically more expensive than group plans but offer greater flexibility in terms of coverage and benefits. You can shop around and compare rates and features from different companies.
- Professional associations: Some professional associations in Manitoba — such as Manitoba Medical Association (MMA) — offer their members discounted rates on individual disability insurance policies. This can be a good option if you are a member of a professional association.
Government programs
- Manitoba Employment and Income Assistance (EIA) for Persons with Disabilities
This program provides financial assistance to Manitobans with disabilities who are unable to work and earn enough income to meet their basic needs. It is not technically disability insurance, but it can provide some financial security if you become disabled.
- Canada Pension Plan Disability Benefit
The Canada Pension Plan Disability Benefit is a monthly payment from the government for people under 65 who can't work because of a disability and have paid into the Canada Pension Plan. It can also give extra money to children who depend on them. Eligibility depends on how serious the disability is and if they've contributed enough to the CPP.
Good to know
There are also disability insurance plans tailormade for specific professionals. For example, check out our complete guide on disability insurance for physicians, explore options, and get instant quotes.
How much does disability insurance cost in Manitoba?
The cost of disability insurance in Manitoba, like anywhere else, varies greatly depending on several factors, such as:
- Age: Premiums generally increase with age as the risk of disability increases.
- Health: Pre-existing health conditions may lead to higher premiums or even ineligibility for some plans.
- Occupation: Higher-risk occupations with greater physical demands typically incur higher premiums.
- Lifestyle: Engaging in risky activities like skydiving or racing may influence the cost.
The cost will also depend on your plan details, such as:
- Benefit amount: The amount of income you want replaced during disability affects the premium.
- Benefit duration: Longer coverage periods (e.g., to retirement) are more expensive than shorter ones.
- Waiting period: The time before benefits kick in also impacts the cost. Shorter waiting periods generally mean higher premiums.
- Optional riders: Adding riders like cost-of-living adjustments or rehabilitation benefits increases the cost.
Good to know
Another factor that can influence the cost of disability insurance in Canada is the insurance company you choose. Different companies have varying pricing structures and overhead costs, resulting in different premiums for similar coverage.
Here are some examples of disability insurance costs in Manitoba:
- A 30-year-old healthy office worker with a $5,000 monthly income: Premium could be around $50-$100 per month for a plan with a 60% income replacement, 2-year benefit duration, and a 90-day waiting period.
- A 50-year-old construction worker with a $8,000 monthly income: Premium could be closer to $200-$300 per month for similar coverage due to their age and higher-risk occupation.
| Profile | Monthly Income | Premium Range |
|---|---|---|
| 30-year-old office worker | $5,000 | $50-$100 |
| 50-year-old construction worker | $8,000 | $200-$300 |
These are just estimates and the actual cost will vary based on the factors mentioned above. To get an accurate quote based on several factors including your individual needs and budget, use our free comparator below. Get quotes from multiple providers in no time right here.
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Which are the best disability insurance Manitoba plans?
Manulife disability insurance
Manulife disability insurance offers plans with customizable features like income replacement, rehabilitation benefits, and lump sum options.
- Pros: Highly customizable plans, strong financial rating, a wide range of riders including rehabilitation and child care benefits, guaranteed acceptance for certain professions.
- Cons: May be more expensive than some competitors, premiums can be high for high-risk occupations and benefit maximums might be lower than some competitors.
Sun Life disability insurance
Sun Life Financial provides various disability insurance plans for individuals, including coverage for accidental death dismemberment, and critical illness.
- Pros: Diverse plan options including short-term and critical illness coverage, competitive premiums for younger individuals, and additional accidental death and dismemberment benefits.
- Cons: Fewer customization options compared to Manulife, may not be as strong for long-term disability needs and benefit amounts might be lower.
RBC disability insurance
RBC Disability Insurance offers comprehensive disability insurance solutions with different benefit amounts and durations, as well as optional riders like cost-of-living adjustments.
- Pros: Comprehensive solutions with various benefit durations and amounts, attractive riders like cost-of-living adjustments and future purchase options, and potentially higher maximum benefit amounts.
- Cons: Premiums can be higher for older individuals or high-risk occupations, not as extensive rider options as Manulife, and focus primarily on income replacement.
If you like RBC's coverage and want to learn more about it, you can use our comparator. You can even compare it with plans from other providers using our free tool below.
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TD disability insurance
TD Insurance offers individual disability insurance plans that cater to diverse needs, with choices like short-term and long-term coverage and riders for additional protection.
- Pros: Flexible coverage options with both short-term and long-term plans, caters to diverse needs with additional riders, and offers travel insurance with disability coverage.
- Cons: May not be as competitive in terms of financial rating or premiums compared to some competitors, limited information on guaranteed acceptance or specific benefit details.
Beyond these companies, you can also explore:
- Canada Life disability insurance: Strong financial rating, guaranteed acceptance for certain professions, flexible benefit periods.
- The Co-operators disability insurance: Competitive rates, focus on customer service, community-based company.
- Desjardins Insurance: Offers individual and group plans, bilingual service, and potentially lower premiums for young individuals.
Disability insurance Manitoba: Government programs
While not technically disability insurance, some government programs in Manitoba offer assistance for individuals with disabilities. Here are some examples:
- Employment and Income Assistance (EIA) for Persons with Disabilities: This program provides financial help to Manitobans with disabilities who are unable to work and earn enough income to meet their basic needs. It's not an income replacement but can offer some financial support during disability.
- Manitoba Supports for Persons with Disabilities: This new program offers tailored support to Manitobans living with severe and prolonged disabilities. It provides income assistance and access to community services and supports, although it doesn't replace income earned through disability insurance.
- Canada Pension Plan — Disability (CPP-D): This federal program provides monthly payments to residents who meet certain eligibility criteria, including having a severe and prolonged disability that prevents them from working. It's important to note that this benefit replaces only a portion of lost income and requires applying through Service Canada.
