Greater Coverage for the Same Income

SOGEMEC ASSURANCES
By Yves Martel
WEALTH MANAGEMENT CONSULTANT
Your Disability Insurance
Greater Coverage for the Same Income
The fundamental principle underlying the concept of disability
insurance is the need, should disability occur, to replace the
earned income previously relied on.
insurance market. In fact, the association group plan
provides medical specialists with 100% coverage of their
net income.1
However, when disability insurance is taken out, the insurer
determines the insurable earned income based on current
earnings. This restricts the amount of possible benefits to
preset maximums. It is therefore important to check the
maximum benefit payable by the insurer because, in some
cases, the ceiling is two-thirds of income. Imagine the
disabled person’s surprise at being deprived of one-third of
their income at a time when they have to pay additional
costs required for their recovery, such as paratransit
facilities or physiotherapy!
Get the information you need, ask the right
questions and, above all, consult experts who
can provide a disability insurance plan
designed just for you, your particular
circumstances and your current income.
That’s the best way to protect yourself against
nasty surprises!
Unlike many other disability insurance plans, the Sogemec
Assurance association group plan offers medical specialists a
higher maximum benefit than that found on the individual
POUR TOUS VOS
BESOINS D’ASSURANCES
Consult the wealth management experts at Sogemec Assurances.
1
Certain conditions apply. Contact Sogemec Assurances for more information.
Grâce au
SERVICE PRÉFÉRENCE
SOGEMEC ASSURANCES
ÉVOLUE AVEC VOUS
Avec le SERVICE PRÉFÉRENCE de
Sogemec Assurances, toutes vos
assurances sont pensées en fonction
de votre style de vie et de vos besoins.
POUR EN SAVOIR PLUS :
1 800 361-5303 / 514 350-5070 / 418 658-4244
Par courriel ou Internet :
[email protected] / www.sogemec.qc.ca
SOGEMEC ASSURANCES
filiale de la
LE SPÉCIALISTE
VOL. 12 NO. 4
DECEMBER 2010
35