Vital Shield Risk Advisory logoVital ShieldRisk Advisory

Alberta · Ontario · British Columbia

Income protection for employees in high-risk occupations

Your group plan may not follow you through every job change.

Industrial, construction, transport and field work may involve duties that insurers assess differently. Review your group plan and actual role so you can understand limits, portability and individual options.

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Where your plan can be exposed

  • Group coverage may have caps, exclusions or benefit definitions to understand.
  • Coverage can change when employment or eligibility changes.
  • Occupation-class underwriting may differ between insurers.

A clear, three-step review

  1. 01

    Review your job duties, employer plan and any existing personal coverage.

  2. 02

    Identify limits, waiting periods, portability provisions and exclusions.

  3. 03

    Compare eligible options with accurate job details and no assumption of approval.

Coverage areas to explore

Income & Living Benefits

Critical illness, disability, hospitalization and life protection built around the income your household or business depends on.

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Newcomer & Everyday Coverage

Plain-language guidance on travel, health and dental coverage, including options for newcomers and people without a complete workplace plan.

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Group Benefits & Business Protection

Group benefits, HSA/WSA, overhead protection and ownership continuity for solo corporations, employers, startups and established businesses.

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Questions and answers

Can employees in high-risk roles apply for individual coverage?

Some options may be available, but duties, health, income and insurer underwriting affect the decision and terms.

Does workplace coverage continue after changing jobs?

It depends on the plan and employment arrangements. Review portability and conversion provisions with the plan administrator.

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.

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General information only; not tax, legal or investment advice.