Skip Navigation Links > Insurance > Plans > DisabilityGuard™ > Summary






DisabilityGuard™ Insurance helps protect your lifestyle and earning power – if a disabling illness or injury prevents you from working. The features and options have been built with you, a practicing dentist, in mind, to help support your professional and personal goals.

You have more to look forward to; we’ve got your back.

DisabilityGuard™ Insurance Guarantees

Guaranteed features and premiumsPremiums are guaranteed until age 65, and the features of your coverage are guaranteed while the coverage is in force.

Competitive maximum coverage – Apply for up to $25,000 per month until age 54 and up to $15,000 per month from age 55 to 64. 

Flexible premium payment options Start with a lower premium that increases in 5-year age bands to age 75 so you can save money for other priorities. Or if you prefer a consistent premium for the life of your policy, you can pay the same amount from now to age 65.

Own Occupation Definition of Disability The Own Occupation Definition allows you to receive disability benefits even if you are able to earn income from a new occupation.

Coverage to age 75 Coverage extends to age 75, and the premiums are guaranteed for 5-year periods, from 65-69 and again from 70-74.


Tailor your DisabilityGuardInsurance with options

Future Insurance Guarantee (FIG): is an optional coverage that would help protect your future earnings as your income grows. You can increase your disability coverage by up to 25% yearly without evidence of good health at the time of the increase. (See the second page of the DisabilityGuard™ Insurance Plan Sheet.)

Cost of Living Adjustment (COLA): is an optional coverage that would increase your monthly income benefit each year after you have been disabled for 12 months, by the increase in the Consumer Price Index. 
(See the second page of the DisabilityGuard™ Insurance Plan Sheet.)

Retirement Protection: is an optional coverage that would help protect your future retirement savings. During a total disability, occurring before age 65, this option can provide a monthly contribution to an account set up for your retirement. 
(See the second page of the DisabilityGuard™ Insurance Plan Sheet.)

(When applying for any of the DisabilityGuardInsurance Options, evidence of good health must be provided. However, evidence of insurability is not required when exercising annual increase options under FIG.)

Visit to learn more about DisabilityGuard™ Insurance and how it can complement your personal and professional lifestyle as a dentist.

The information contained here is a summary only. A full description of DisabilityGuard™ coverage and eligibility, including restrictions and limitations is contained in the certificate booklet, which sets out all the coverage terms and conditions.

Download DisabilityGuard™ Insurance Application Form
Download DisabilityGuard™ Insurance Plan Sheet

DisabilityGuard™ Insurance is underwritten by The Manufacturers Life Insurance Company (Manulife),
PO Box 4213 Stn A, Toronto, ON, M5W 5M3.