Disability Income Protection

What is “earned income”?

From your employment or profession, after business expenses but before income taxes. If you have fluctuating income, your average monthly earnings before disability is the greater of:

  1. your average monthly earnings during your last taxation year, or
  2. the average of the previous 24 months

Reviewed by Garrett Agencies Ltd., October 2026. How we write

Spot a mistake? Tell us and a licensed advisor will check it. Email compliance@garrett.ca

More about Disability Income Protection

Replaces part of your income if a disability stops you working.

Engineers Canada Disability Income Protection

More questions about Disability Income Protection

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