ACCI JET Simplified Issue Disability Insurance
ACCI JET is simplified issue disability insurance for Canadians: only 3 health questions for accident and soft tissue coverage (more if you add illness), no blood tests, no medical exam. It replaces your income after accidents, soft tissue injuries, and illness with up to $6,000/month, and premiums stay level to age 70.
- Up to $6,000/month benefit
- Soft tissue injuries covered
- 3 health questions for accident cover
- Premiums level to age 70
Sprains, strains, and whiplash, all included in base ACCI JET coverage
- 1 in 3
- Canadians will have a 90-day+ disability before age 65Per CLHIA industry data, most are unprepared for that income loss
From $7
Per month starting premium
Actual premium depends on age, benefit amount and coverage type – see the worked example below
Coverage details
Who qualifies for this simplified issue disability insurance? Eligibility
Available to anyone working full-time (21 or more hours per week, 8 or more months per year) between ages 18 and 69. No occupational class restrictions for base accident coverage.
Self-employed workers Business owners Salaried employees Manual labourers Repetitive-task workers Newcomers to Canada High-risk occupations No group disability coverage
Must be fit for work at application. No chronic neurodegenerative disease or permanent physical or intellectual impairment. Home-based workers have specific eligibility rules, so ask your advisor. Self-employed? Our self-employed disability guide shows how this fits with EI and CPP.
Simplified issue disability income coverage Base
Monthly non-taxable income replacement if you become totally disabled due to an accident or soft tissue injury. As simplified issue disability insurance, ACCI JET bases your benefit on earned income and approves accident and soft tissue coverage with just 3 health questions.
| Feature | Details |
|---|---|
| Monthly benefit | $500 to $6,000/month based on income |
| Non-taxable | Yes, benefit paid tax-free |
| Waiting period options | 0 days / 30 days / 119 days |
| Benefit period options | 2 years / 5 years / to age 70 |
| Definition of disability (months 1–24) | Unable to perform duties of your regular occupation |
| Definition of disability (month 25+) | Unable to perform any reasonable occupation |
| Regular occupation extension | Optional rider extends to 60 months (not available for Class C) |
| Coverage hours | 24-hour OR non-work-related |
| Non-integration | First $1,000/month non-integrated for first 2 years |
| Premium structure | Doesn’t rise with age, to age 70. Rates can change only for all similar policies at once, with written notice |
| Occupational classes | 4A, 3A, 2A, 1A, B, C |
| Health questions required | Only 3 questions for accident and soft tissue coverage |
Soft tissue injuries covered by this simplified issue plan Included in base
Soft tissue injuries are included in base ACCI JET simplified issue disability insurance. These are conditions that most standard disability policies exclude or heavily restrict.
Strain Sprain Contusion of muscle, ligament or tendon Bursitis Capsulitis Tendinitis Carpal tunnel syndrome Rotator cuff injury Plantar fasciitis Epicondylitis Patellofemoral syndrome
| Occupational class | Max per claim | Lifetime maximum |
|---|---|---|
| Class B or C | 30 days | 180 days |
| Class 1A | 60 days | 180 days |
| Class 2A, 3A, 4A | 36-month lifetime maximum |
Simplified issue illness coverage Optional add-on
Extends your simplified issue disability insurance to include illness. Simplified underwriting with only 9 questions total. No blood tests required.
| Feature | Details |
|---|---|
| Ages eligible | 18–59 (2-year or 5-year benefit period) or 18–64 (2-year benefit period) |
| Health questions | 9 questions total, no blood tests |
| Same benefit amounts | $500 to $6,000/month, same as accident coverage |
| Degenerative disc disease | Covered max 20 days per period, 120-day lifetime maximum |
⚠️ Excluded from illness coverage: mental and psychological disorders (depression, anxiety, burnout, stress), fibromyalgia, chronic fatigue syndrome, and other subjective conditions.
Overhead expense insurance Self-employed only
Simplified issue overhead coverage for the self-employed: pays your fixed business expenses while you are disabled and unable to work, keeping your business alive while you recover.
| Feature | Details |
|---|---|
| Monthly benefit | $500 to $6,000/month |
| Benefit period | Maximum 2 years |
| Waiting period | 30 days |
| Covered expenses | Rent, phone, electricity, heating, cleaning, staff salaries (businesses with 3 or fewer employees), vehicle expenses, accounting fees |
| Not covered | Owner's own salary, replacement staff salary, supplies, gas, vehicle purchase |
Optional disability insurance riders Add-ons
Enhance your ACCI JET simplified issue disability insurance plan with any of these riders at additional cost.
Accidental fracture
Lump-sum based on bone fractured. Must be confirmed by X-ray and radiologist report within 30 days.
Skull, spine, hip, femur = 100% (max $10,000) · Tibia, radius etc. = 25% · Other = 10%
AD&D: death and dismemberment
Lump-sum paid for accidental death, loss of limb, sight, hearing, or speech. Loss must occur within 365 days.
Up to $350,000 · Death or both limbs = 100% · One arm/leg = 75% · One hand/eye = 50%
Extended medical care
Reimburses accident-related medical expenses in Canada within 12 months: physio, nursing, dental, equipment, ambulance.
$100,000 lifetime maximum · No deductible · Limits per type of care apply
Travel insurance
Emergency medical up to $5 million. Trip cancellation up to $5,000. Covers trips outside province, max 60 consecutive days.
24/7 assistance line · Family coverage available · Terminates at age 70
Built-in disability insurance benefits No extra cost
Every ACCI JET simplified issue disability insurance policy includes these features automatically.
Premium waiver
Triggered at end of waiting period (min. 30 days) if disability starts before age 60. Waives premiums for insured, spouse, and children.
Maintenance of coverage
Coverage maintained for 12 months if full-time work temporarily ceases (not retirement). Parental leave covered for full duration.
Special rehabilitation benefit
Full monthly benefit minus 50% of rehabilitation income, paid for up to 24 months while you return to work.
Recurrent disability
No new waiting period if the same cause recurs within 6 months (Classes B/C/1A/2A) or 12 months (Classes 3A/4A).
Extension to age 75
Built-in option: if you are still working full-time at 70, you can extend accident and soft tissue coverage to age 75, with a 2-year benefit period and no evidence of insurability. Send a written request in the 60 days before your 70th birthday. Premiums after 70 differ from those before 70.
Guaranteed occupational class
Your occupational class is locked at the time your contract is issued. Even if your occupation changes later, your class stays the same.
Optional enhancements Available at extra cost
| Enhancement | Details |
|---|---|
| Partial disability | 50% of monthly benefit if unable to perform 1 or more primary duties or work 50% of normal hours. Maximum 6 months. |
| Extended regular occupation | Extends the regular occupation definition from 24 months to 60 months. Not available for Class C. |
| Return of premiums | 50% of premiums returned (minus claims paid) at age 55, 60, 65, or 70. Policy must be active for at least 120 months. Must purchase before age 55. Taking the refund ends your disability coverage. |
Simplified issue disability insurance exclusions
Like all simplified issue disability insurance, ACCI JET does not cover the following. See the full contract for complete details.
Self-inflicted injury or suicide
Mental or psychological disorders (depression, anxiety, burnout, stress)
Fibromyalgia and chronic fatigue syndrome
Illness (for accident-only coverage)
Pregnancy and childbirth
Driving under the influence of alcohol or drugs
War, riot, military service, criminal acts
Racing, motocross, heli-skiing, skydiving, scuba diving, mountaineering, paragliding
Sports for compensation
Cosmetic treatment or surgery
Degenerative disc disease (treated as illness, excluded from accident coverage)
Martial arts (when causing disability)
Key disability insurance contract terms
The fine print of your simplified issue disability insurance contract, summarized.
Reconsideration period 10 days from receiving the contract or 60 days from its effective date, whichever comes first. Full refund.
Grace period 30 days on all premiums after the first.
Incontestability After 2 years, insurer cannot contest validity except for fraud or age/gender misrepresentation.
Claim deadlines Notify within 30 days of loss. Full evidence within 90 days. Absolute deadline 365 days.
Termination At age 70 (or 75 if you take the extension at 70), retirement, or death.
Renewal Annual and automatic to age 70. The insurer can change rates at renewal only for all similar contracts together, never for one policy alone, and notifies every policyholder in writing.
Real cost example
Jade, 29, dental hygienist
Income $50,000/year
Benefit selected $3,000/month
Accident + injury only $35.90/mo
Accident + illness $67.40/mo
General rule: 1% to 2% of gross income covers up to 70% income replacement. Jade's accident-only plan costs less than her daily coffee.
Why ACCI JET is different
Most disability plans exclude soft tissue injuries entirely. ACCI JET includes them in the base plan.
Premiums are level to age 70, with no surprise rate increases as you get older.
True simplified issue disability insurance: only 3 health questions for accident and soft tissue coverage. No blood tests. Apply in minutes.
The basics
What makes ACCI JET simplified issue disability insurance different
Soft tissue is in the base plan
Sprains, strains, carpal tunnel, rotator cuff, plantar fasciitis. Most standard disability plans exclude all of these. ACCI JET includes them in the base plan.
Premiums that don’t rise with age
Your premium is set at issue and doesn’t go up as you get older, all the way to age 70. iA can change rates only for every similar policy at once, with written notice, never for yours alone.
Simplified issue underwriting: no medical exam
Simplified issue means only 3 health questions for accident and soft tissue coverage. No blood tests. No medical exam. Approval is fast. Adding illness coverage requires 9 questions total but still no lab work.
Your income is your most valuable asset. Protect it.
1 in 3 Canadians will have a disability lasting 90 days or more before age 65 (source: CLHIA). ACCI JET simplified issue disability insurance pays you while you recover, so you do not have to drain your savings or go into debt.
Monday to Friday 9 am to 8 pm, Saturday 9 am to 5 pm · Ask EGE AI, 24/7
For information purposes only. Not an insurance contract. Underwritten by Industrial Alliance Insurance and Financial Services Inc. (iA Financial Group). See contract for full exclusions and limitations. EGE Insurance · egeinsure.ca · 416-477-1516