How much disability insurance do I need in Calgary?

Target 70–85% of your monthly pre-disability income. For a Calgary professional earning $120,000/year, that's roughly $7,000–$8,500/month in disability benefit. Frank will calculate the right number based on your actual income structure.

Can I get disability insurance if I'm a contractor in Calgary's oil & gas sector?

Yes. Occupation class affects pricing but doesn't eliminate options. Frank knows which carriers rate oil & gas contractors favorably and which ones don't. The right carrier matters.

What's the elimination period and how does it affect cost?

The elimination period is how long you wait after becoming disabled before benefits start. A 30-day elimination period costs more than a 90-day one. If you have savings to cover 90 days, choosing a 90-day elimination period reduces premiums significantly.

Does Frank handle disability insurance claims?

Frank is your advisor for the life of the policy — including at claim time. While the carrier handles the claim administration, Frank advocates on your behalf and helps navigate the process.

FrankCoverAIC-Licensed Insurance Broker · Calgary, Alberta

(403) 536-6897

Disability Insurance · Calgary

Disability Insurance in Calgary — The Coverage Most People Skip

Name: Frank Cover
Address: Calgary, AB, Calgary, AB, T2P, CA
Telephone: (403) 536-6897
Price range: $$

Disability is the most likely claim you'll ever make. More Canadians are disabled during their working years than die. If your income stopped tomorrow due to illness or injury, how long could your family stay in your Calgary home?

AIC Licensed · Alberta

Independent — 20+ Carriers

$0 Cost Unless Policy Placed

No Bank Affiliation

Frank Says

Calgary has a large self-employed and incorporated population. Oil & gas consultants, technology professionals, contractors, healthcare practitioners. None of them have employer disability coverage. If they can't work, their income stops. Disability insurance is not optional for this population — it's the foundation.

Feature	Employer Group Disability	Individual Disability (Frank)
Portability	Ends with employment	Stays with you always
Benefit amount	60–66% of salary, taxable	Up to 85%, non-taxable
Definition of disability	Often any-occupation after 2 years	Own-occupation for life of policy
Benefit period	Usually 2 years or to 65	You choose — 2yr, 5yr, or to 65
Self-employed available?	No	Yes — specifically designed for it
Covered conditions	Employer plan terms	Including mental health, back/joint

What Own-Occupation Means

The most important clause in any disability policy is the definition of disability. Own-occupation means: if you can't perform your specific occupation, you qualify for benefits — even if you could theoretically do another job.

A Calgary electrician who loses the ability to work in confined spaces qualifies under an own-occupation definition. Under "any occupation," they'd need to prove they can't work at all. The difference in claim outcomes is significant.

Frequently Asked Questions

Gavin Dyer

AIC Licensed Insurance Advisor, Alberta

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