It depends on how much your workplace plan replaces. Workplace plans often replace less of your income than people expect, and they usually end when you leave the job. This plan can top up the gap between what your employer’s plan pays and what your earnings qualify for, and it stays with you if you change jobs. We can work out the gap with you.
Do I need this if I have disability coverage at work?
Reviewed by Garrett Agencies Ltd., October 2026. How we write
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More about Disability Income Protection
Replaces part of your income if a disability stops you working.
More questions about Disability Income Protection
A question about your coverage? Ask us.
No obligation. We’ll tell you plainly what we think, including when you already have what you need.