Replaces up to $90\%($first six months$)$ then $70\%($subsequent periods$)$

of your salary if you have accident or illness that prevents you from working

Also called $$Salary continuance$$ and $$Income Insurance$$

Benefit waiting period between $14$ and $90$ days

You choose the waiting period when you apply for insurance

Payments don$$t start until X days after the accident

Longer the waiting period $...$ cheaper the premiums

Benefit period between $2$ years and all the way to age $65$

This is how long benefits are paid while you can$$t work

$2$ year period is cheapest $...$ until age $65$ is most expensive