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Disability Insurance - Acci-Jet Program

Acci-Jet Program is a simplified issue disability insurance product that was designed with an active clientele in mind and that offers coverage in the event of accident or soft tissue injury.

Disability Insurance

  • Disability Insurance
    • in the event of an Accident or Soft Tissue Injury;
    • in the event of an Illness (optional).


  • 24-hour; or
  • Not work related (Accident or Soft Tissue Injury only).


You are eligible if you:

  • are between the ages of 18 to 69 inclusively;
  • currently hold remunerative work for at least eight months per year and 21 hours per week;
  • are not currently limited in terms of your movements or daily activities due to an injury or illness;
  • do not have a degenerative chronic disease or a permanent physical or intellectual impairment;
  • are a Canadian citizen or reside in Canada and meet certain criteria.

Main coverages

Disability Insurance for workers,which provides for:

  • Coverage in the event of total disability resulting from an accident or soft tissue injury
  • Payment of a monthly benefit ranging from $500 to $6,000
  • Choice of the gross or net revenue method when determining your maximum available benefit
  • Non-integrated payment of the first $1,000 in benefits for the first two years
  • A benefit period of 2 years, 5 years or up to age 70
  • A waiting period of 0 days, 30 days or 119 days
  • Risk classified based on your occupation

Overhead Expense Insurance for small business owners, which provides for:

  • Coverage in the event of total disability resulting from an accident or soft tissue injury or an illness
  • Payment of a monthly benefit ranging from $500 to $6,000
  • A 2-year benefit period
  • A 30-day waiting period
  • Risk classified based on your occupation

Additional coverages

You benefit from the following additional coverages or clauses, at no extra cost:

  • Waiver of Premiums: releases you from the obligation to pay insurance premiums while totally disabled
  • Maintenance of Coverage when full-time Work Ceases: if you lose your job, take a parental leave or stop working temporarily, but have not retired, your disability insurance will remain in force for a maximum of 12 months
  • Guaranteed renewal of your insurance up to age 70
  • Extension of coverage up to age 75, without evidence of insurability
  • Occupational rehabilitation program: the professional services you need to learn new duties as well as payment of a benefit

Acci-Jet Program’s Disability Insurance offers other optional benefits, such as:

  • Disability in the event of an illness: enhance your definition of total disability by including disability due to illness. All you have to do is answer a short health questionnaire. You can also get personalized coverage by selecting the amount of coverage, waiting period and benefit period that's right to you.
  • Partial Disability: without being totally disabled, you can receive benefits if you are unable to perform 50% of the duties of your regular occupation on a continuous basis, provided you are working full-time when you become partially disabled
  • Return of Disability Insurance Premiums: at age 55, 60, 65 or 70, you will be refunded 50% of all premiums paid under the Disability Insurance coverage, including the portion applicable to the Return of Premiums option, less any disability claims paid
  • Extension of the “Regular Occupation” Period: you can benefit from a definition of total disability based on your regular occupation for a 60-month period

You may also purchase additional coverages to expand the protection afforded to you and your family:

  • Accidental Death, Dismemberment or Loss of Use
  • Extended Medical Care Further to an Accident
  • Critical Illness Insurance
  • Travel Insurance


  • Guaranteed renewal
  • No medical exam required at the time of purchase and only three eligibility questions to answer
  • Premiums based on your occupation

For more information, please refer to the Acci-Jet Program brochure (PDF – 1,8MB).