How your job sets your disability-insurance risk class, and which contracts you're even allowed to buy.
~20 sample jobs mapped to their typical risk class.
or set the class
Coverage insured; it scales the illustrative premium.
4A
Lowest risk
Professionals
Doctors, lawyers, dentists, senior executives
4A best3A2AAB highest risk
Illustrative annual premium
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vs 4A baseline
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Extra cost / yr vs 4A
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What this class can buy
Definitions of disability open to this class
How this works. Insurers group occupations into risk classes because some jobs are far more likely
to lead to a disability claim. Your class doesn't just set your premium; it decides which contracts you can even buy.
Only the lowest-risk classes (typically 4A and 3A professionals) can access the most generous
own-occupation definition and non-cancellable contracts; higher-risk trades pay more and get more limited options.
Educational illustration of standard Canadian insurance concepts. Figures are illustrative, not an insurer’s rates.
Illustration only, not a quote or advice. Figures are simplified for education and do not
reflect any specific insurer's rates. Consult a licensed advisor.