Income & Living Benefits
Critical illness, disability, hospitalization and life protection built around the income your household or business depends on.
Alberta · Ontario · British Columbia
Your employer plan may not match your income
Is this you? A salaried executive or professional whose employer group plan may not match your income.
Group plans often cap benefits, so higher earners can be underprotected. And coverage usually ends if you leave the employer.
We help executives and professionals understand what their workplace plan would actually replace, then compare supplemental income protection, family protection and wealth-planning options.
The Risk Assessment is a free educational questionnaire about your income, existing protection, business and planning priorities. It adapts to your answers: 15–19 questions, with no medical questions. Allow about 5 minutes (estimated; take longer if you need).
You'll get your score and a call offer, not a sales pitch. The current Calendly session is 60 minutes.
Free · about 5 minutes · no medical questions · you get a Protection Score and a call offer, not a sales pitch.
What typical group plans do and don't cover
Often included
- Health and dental benefits up to plan limits
- Group life insurance, often a multiple of salary
- Long-term disability, usually a percentage of base salary up to a monthly maximum
Often limited or missing
- Income above the plan's benefit cap
- Bonus, commission or equity compensation
- Coverage after you leave the employer
- Critical illness protection
General information only. Group plans vary widely; your own plan booklet and contract decide what is covered.
Where your plan can be exposed
- Group disability benefits may be capped and replace less of your income than expected.
- Workplace coverage usually ends or changes if you leave, are laid off or retire from the employer.
- Bonus, commission or equity pay may not be counted in group benefit calculations.
A clear, three-step review
- 01
Review compensation, workplace benefits, personal policies and family commitments.
- 02
Quantify the gap and compare eligible supplemental options.
- 03
Connect protection with retirement and estate priorities where appropriate.
Coverage areas to explore
Risk & Retirement Advisory
A structured review of retirement, cash flow, debt, registered savings and protection for complex family or business situations.
Estate, Legacy & Wealth
Life insurance, estate-document support, education savings and wealth considerations shaped around the people and plans that matter to you.
Questions and answers
Can I supplement an employer disability plan?
Potentially. Eligibility and available amounts depend on income, existing coverage and underwriting.
Does workplace coverage follow me to a new employer?
Not always. Portability or conversion depends on the plan, so personally owned coverage may be worth reviewing.
Next step
See where your protection and planning gaps may be
Coverage is subject to underwriting, policy terms and carrier approval. General information only, not financial, tax or legal advice.
Shashank Gupta · Founder & Principal Advisor
LLQP-qualified, Licensed Life and Health Advisor in Alberta, Ontario and British Columbia
Prefer to talk? Book a Risk Audit session with Shashank
Skip the assessment and start with a conversation about your priorities. Educational, no obligation to apply for coverage.
General information only; not tax, legal or investment advice.