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Best Disability Insurance for the Long-Term Caregiver

Benefits, Health

Long-term disability insurance is important to your financial security. Its benefits ensure you remain in your home or move into a befitting facility, living comfortably with dignity. A long-term disability is a condition where you’re unable to work due to an illness, injury, or accident. Finding the best disability insurance for the long-term caregiver can be difficult.

As you don’t have a source of income, how will you cover your daily living expenses and bills?
Given below are common long-term caregivers Canada FAQs for all your queries.

What insurance pays for long-term care?

Long-term caregivers are expensive due to the rising healthcare costs. Having to spend thousands of dollars every month to take care of yourself can bleed your savings dry in no time. In this situation, having coverage makes it easier to deal with this situation.
One way is to get the best disability insurance as it protects your income. If you are unable to work for three months or longer due to long-term disability, this coverage is useful. You can opt for this insurance even when you are working and healthy. The goal is to safeguard your financial future against unexpected medical expenses.

How much payment will you get with long-term disability insurance?

The policy you choose determines the amount you’ll receive if you suffer from a disability. Most providers in Canada provide a benefit amount based on a percentage of your income.
In most cases, the policy of your plan will give you 60% – 80% of your income as pay. You can also go for a policy where you will get benefits if you take a lower-paying job due to an illness or injury. The coverage will replace the amount you lose as income due to this situation.

Can a 70-year-old get long-term insurance care?

There are no age limits when it comes to long-term insurance care. However, existing health conditions can make it harder to qualify for coverage. Sometimes, you may have to pay higher premiums for the risk taken by the provider.
If you have numerous assets, it is always better to get disability insurance at a younger age.

What should I look for to get long-term care insurance?

If you’re looking for the best long-term caregivers insurance in Canada, you should look at how the provider defines disability. This helps you discover the conditions where you will be eligible for coverage. The policy determines how much benefit you’ll receive. Some providers will provide you with payments even if you can work in another job with lesser pay.

However, there are policies where you won’t receive a payment if you take up other jobs where the pay is lower than your previous workplace.

Try going where you get protection against the following issues:

  • Anxiety, depression, and other types of mental health issues
  • Cancer
  • Disorders in musculoskeletal regions
  • Fractures
  • Ligament and muscle strain
  • Pregnancy
  • Sprains

Why? These are some common claims people make for receiving payments from their disability insurance. Always go through the policy before agreeing to get coverage from a provider. After all, you don’t want to pay a premium for years, only to find out you aren’t eligible for coverage.


Finding the best disability insurance for the long-term caregiver can be difficult. ClearBenefits is a provider of excellent long-term care insurance. If you want to learn more about disability insurance costs per month for long-term caregivers, contact us!

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