Need Coverage

Exclusively for dentists

CDSPI has been providing insurance solutions to the Canadian dental community for over five decades. To meet the evolving needs of dentists, we are introducing DisabilityGuard Insurance, which will be available as of January 1, 2017. We listened to dentists to understand what matters most.


If you didn’t go to one of the 10 Canadian dentistry schools, you may need an introduction to CDSPI. Welcome to practising in Canada; we look forward to establishing ourselves as a part of your personal and professional success.



DisabilityGuard Insurance works when you can’t.

A sports injury. A back condition. A serious illness. Any of these circumstances has the potential to stop you from practising for a few weeks, to several months ... or possibly much longer. Monthly payments don’t stop. Taxes are still owing. Household expenses aren’t going anywhere. Fortunately, CDSPI can help ease those concerns with our DisabilityGuard™ plan.

DisabilityGuard™ Insurance incorporates a number of features that offer tailored coverage and flexibility at highly competitive rates. These are just some of the advantages it provides:

Key Features

Guaranteed features and premiums Premiums are guaranteed until age 65, and the features of your coverage are guaranteed while your coverage is in force.

Competitive maximum coverage You can apply for up to $25,000 per month up to age 54, and up to $15,000 per month from age 55 to 64.

Flexible premium payment options You can start with a lower premium that increases in 5-year age bands to age 75 so you can save money for other priorities. Or if you prefer a consistent premium for the life of your policy, you can pay the same amount from now to age 65.

Own Occupation Definition of Disability What if you were to suffer a career ending injury or illness preventing you from practicing dentistry? The Own Occupation Definition allows you to receive disability benefits even if you are able to earn income from a new occupation.

Coverage to age 75 – Many dentists are choosing to continue practising beyond the traditional retirement age. With DisabilityGuard™, coverage extends to age 75, and the premiums are guaranteed for 5-year periods, from 65-69 and again from 70-74.


Future Insurance Guarantee (FIG) Option  This is an important option helping to protect your future earnings as your income grows. You can increase your disability coverage by up to 25% yearly without evidence of good health at the time of the increase.

Cost of Living Adjustment (COLA) Option  The COLA Option increases your benefit each year after you have been disabled for 12 months, by the increase in the Consumer Price Index (up to 8 per cent).

Retirement Protection Option  During a total disability occurring before age 65, this option can provide a $500 or $1,000 monthly contribution (depending on your annual income) to an account set up for your retirement.

When applying for coverage, FIG, COLA or Retirement Protection Options, evidence of good health must be provided. These options must be added at the time of initial application.

  1. Only practising dentists may apply for coverage under DisabilityGuard™ Insurance.

Contact Us

Get in touch with a CDSPI licensed insurance advisor

DisabilityGuard™ Insurance is underwritten by The Manufacturers Life Insurance Company (Manulife), PO Box 4213 Stn A, Toronto, ON, M5W 5M3.

The information contained here is a summary only. A full description of DisabilityGuard™ coverage and eligibility, including restrictions and limitations is contained in the certificate booklet, which sets out all the coverage terms and conditions.