Disability Insurance
Protect Your Paycheque. Protect Your Peace of Mind.
Disability Insurance in Surrey
Your income is what powers your lifestyle, your goals, and your family's future. But what if an unexpected illness or accident stopped you from working tomorrow? At Bhangu Insurance, we help you stay financially strong—even when life throws a curveball.
This isn’t just coverage—it’s confidence that even if you can’t work, your financial world stays intact.
Protects Your Paycheque
When injury or illness puts your job on pause, disability insurance ensures your income doesn’t stop—so your bills, rent, and essentials stay covered.
Tax-Free Benefits
The monthly payments you receive are generally tax-free, meaning you keep more of your money when you need it most.
Fast & Friendly Support
Our local advisors are here to guide you with clarity and care—no confusing jargon, just real help in English, Punjabi, or Hindi.
Why You Need Disability Insurance
Because Life Doesn’t Pause—Even When You Do
Accidents and illnesses can strike without warning. If you’re unable to work, your income might stop—but your financial responsibilities won’t. Disability Insurance acts as your income backup plan, giving you the freedom to recover without worrying about falling behind on rent, bills, or family expenses.
Whether you’re self-employed, the main provider, or just starting your career, this coverage helps you stay financially secure when life goes off-script.
Disability Insurance Helps You:
- Replace income when illness or injury keeps you from working
- Cover essentials like groceries, rent, and loan payments
- Protect savings and avoid debt
- Support your family during tough times
- Maintain your standard of living while you heal
Types of Disability Insurance We Offer
Provides income replacement for temporary disabilities like surgery recovery, injury, or serious illness. Benefits typically last up to 6 months.
- Short-Term Disability Insurance: For temporary setbacks like surgeries or sudden illness. Offers quick financial support typically up to 6 months while you get back on your feet.
- Long-Term Disability Insurance: For temporary setbacks like surgeries or sudden illness. Offers quick financial support typically up to 6 months while you get back on your feet.
- Group Disability Insurance: For temporary setbacks like surgeries or sudden illness. Offers quick financial support typically up to 6 months while you get back on your feet.
- No-Medical Disability Plans: Need fast approval or have health concerns? These simplified plans skip the medical exam and offer fast protection with fewer questions.
Frequently Asked Questions
1. What does disability insurance actually cover?
It replaces lost income if you can’t work due to illness or injury.
2. How soon can I start receiving benefits?
Short-term starts in 1–2 weeks; long-term begins after 60–90 days.
3. Do I need a medical exam to apply?
Not always—no-medical exam plans are available.
4. Is disability insurance only for full-time workers?
No, it’s available for self-employed, part-time, and business owners too.
5. Can I have both short-term and long-term disability insurance?
Yes, combining both offers complete income protection.