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Superior Program Disability Insurance

Superior Program is a disability insurance product that offers comprehensive coverage in life and health insurance for all workers and professionals─even the self-employed.


You are eligible if you :

  • are between the ages of 18 and 59 inclusively;
  • work at least:
    • 21 hours per week on a regular and continuous basis; or
    • 8 months per year totalling 1,050 hours per year; or
    • 4 months per year totalling 1,050 hours per year*.
  • meet the Insurer’s underwriting criteria;
  • are a Canadian citizen or reside in Canada and meet certain criteria.

Main coverages

Your contract must include at least one of the following coverages:

Disability Insurance - This coverage provides for: Overhead Expense Insurance for small business owners - This coverage provides for:

Additional coverages

You benefit from the following additional coverages or clauses, at no extra cost:
Superior Program’s Disability Insurance offers other optional benefits, such as: You may also purchase additional coverages to expand the protection afforded to you and your family:
  • Life Insurance (term, up to age 65)
  • Accidental Death, Dismember or Loss of Use
  • Accidental Fracture and Extended Medical Care Further to an Accident
  • Hospital Benefit
  • Critical Illness Insurance
  • Travel Insurance
  • Extended Health Care and Dental Care Insurance (available only in Quebec)


For more information, please refer to the Superior Program brochure (PDF – 2,6 MB).


* For seasonal and contractual workers only. To have access, the seasonal and contractual workers rider must be purchased.