Image 1 of 1
What Is Health & Disability Insurance?
Health and disability insurance helps protect your finances if illness, injury, or a serious diagnosis prevents you from working or creates unexpected medical expenses.
Depending on the coverage, benefits may be paid as:
Monthly income replacement
Lump-sum cash benefits
Reimbursement for medical and recovery-related expenses
This coverage is designed to complement—not replace—government or employer benefits.
Three Core Types of Coverage
-
Income support when you can’t work
Disability insurance provides monthly benefits if illness or injury prevents you from earning an income. It helps cover everyday obligations like rent, mortgage payments, utilities, and loans.
Ideal if you want to:
Protect your income
Maintain financial stability during recovery
Supplement limited or non-existent employer coverage
-
Lump-sum support after a serious diagnosis
Critical Illness insurance pays a lump-sum benefit upon diagnosis of a covered illness, such as cancer, heart attack, or stroke. Funds can be used however you choose—medical costs, household expenses, or time away from work.
Ideal if you want to:
Protect savings and investments
Reduce financial stress during recovery
Maintain your family’s standard of living
-
Cash benefits for injuries and unexpected medical events
Accident & Sickness coverage provides cash benefits for accident- or illness-related expenses not fully covered elsewhere, including hospitalization, recovery, and outpatient care.
Ideal if you want to:
Cover out-of-pocket medical costs
Add flexibility to existing health coverage
Receive benefits paid directly to you
Why This Coverage Matters
No one plans for illness or injury—but everyone feels the financial impact. Health and disability insurance is about maintaining control when circumstances change.
It protects:
Your income
Your savings
Your family’s financial stability
At Britanico & Associates, coverage is selected based on fit—not brand.
We work with trusted insurers, including:
Industrial Alliance – known for comprehensive individual health, disability, and critical illness solutions
Combined Insurance – offers supplemental accident, sickness, cancer, and disability coverage with direct cash benefits
Your advisor helps determine which solution—or combination—best aligns with your needs, eligibility, and financial goals.
