IA Superior Program Disability Insurance

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Superior Program for Workers and Professionals

Government and group insurance plans are not always enough to cover for an individual’s needs and that of his family.
With IA Excellence Superior Program, workers and professionals of all kinds can get themselves adequately protected against life and health insurance with or without a group plan.
The coverage is designed for individuals up to the age of 18 and less than age 60. To meet the eligibility requirement, the individual must work up to 4 months per year totaling 1,050 hours per year. Equivalent work duration are also allowed. It is also necessary to meet other criteria before obtaining this plan.

Features and Benefits

Superior Program is basically for Canadian citizens or people residing in Canada who meet the eligibility requirements. The coverage includes disability insurance which provides the benefit of protection in the event of total disability as well as several other benefits. Some other options included in this plan include overhead expense insurance for small business owners and so forth.

  • Partial disability benefit is available in this plan. This benefit is provided when the insured cannot do 50% of his regular duties due to a disability.
  • This plan provides an option to return 50% of all the premiums you paid on the plan at age 55, 60 or 65. The amount returned will be calculated after deducting the claims already paid to you.
  • The plan provides an opportunity to extend the disability definition.
  • You will be eligible for a lump sum which is equivalent to the benefits not paid to you during your waiting period provided that your disability lasts longer than six months.
  • People whose disability lasts for more than a year will have their benefits indexed in line with the Consumer Price Index.
  • The premium for this plan depends on the worker’s occupation.



Additional resources

Learn more about your disability insurance options from these informative articles.

Insurdinary provides a comprehensive quotes comparison sends straight to your inbox so you can start comparing health coverage in minutes. See plans from several major Canadian insurers to choose the right option for you. Our customer health specialists are also available to address your questions and concerns.

For more information, you may contact us at 1-877-574-7475, or complete the form below.

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