Pointway Wealth & Benefits
Pointway Wealth & Benefits
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Long-Term Disability Insurance
Protect Your Most Valuable Asset

Your ability to earn income is one of your most valuable assets. Protect it with comprehensive disability coverage.

Why Long-Term Disability Insurance?

Your ability to earn an income is one of your most valuable assets — and long-term disability insurance helps protect it. If you're unable to work due to illness or injury, this coverage provides a monthly, tax-free benefit after a waiting period, helping you keep up with essential expenses like your mortgage, utilities, and groceries.

It's income replacement when you need it most — so you can stay financially stable without dipping into savings or derailing your long-term plans. Disability insurance helps safeguard your lifestyle and your future.

Monthly Income Replacement

Regular tax-free payments to replace lost income

Own Occupation Protection

Benefits if you can't perform your specific job duties

Rehabilitation Support

Additional benefits to help you return to work

Professional at Work

Own Occupation

Provides benefits if you cannot perform the duties of your specific occupation, even if you could work in another field.

Any Occupation

Covers you if you cannot work in any occupation for which you are reasonably qualified by education, training, or experience.

Residual Benefits

Partial benefits if you can return to work but at reduced capacity or income due to your disability.

Key Policy Features

Comprehensive protection designed for your needs

Waiting Periods

Choose from 30, 60, 90, or 180-day waiting periods before benefits begin.

Non-Cancellable

Your coverage cannot be cancelled and premiums cannot increase.

Cost of Living Adjustments

Optional rider to increase benefits with inflation during claim periods.

Guaranteed Renewable

Policy automatically renews as long as premiums are paid on time.

Return to Work Benefits

Additional support for rehabilitation and vocational training programs.

Workplace Modifications

Coverage for modifications needed to help you return to work.

Secure Your Income Today

Don't wait until it's too late. Protect your ability to earn an income.

Get Protected Now Call: 1-888-676-4689