{"id":7304,"date":"2020-01-27T20:24:14","date_gmt":"2020-01-27T20:24:14","guid":{"rendered":"https:\/\/www.rbcinsurance.com\/en-ca\/2020\/01\/27\/five-things-you-need-to-know-about-protecting-your-paycheque\/"},"modified":"2025-09-19T15:42:43","modified_gmt":"2025-09-19T19:42:43","slug":"five-things-you-need-to-know-about-income-protection","status":"publish","type":"post","link":"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/five-things-you-need-to-know-about-income-protection","title":{"rendered":"Five Things You Need to Know About Income Protection"},"content":{"rendered":"\n<div class=\"wp-block-rbc-template-selector templateSelector template__article articleSingle\" data-template=\"article\">\n<div class=\"wp-block-group articleSingle__container tabListStickyWrapper is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero__inner is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/\">Home<\/a><\/span><\/span>\n\n\n\n<div class=\"wp-block-group articleSingle__featuredImage__group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__title__group is-layout-flow wp-block-group-is-layout-flow\"><h1 class=\"wp-block-post-title\">Five Things You Need to Know About Income Protection<\/h1>\n\n\n<div class=\"wp-block-group articleSingle__date__group is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-post-date\"><time datetime=\"2020-01-27T20:24:14-05:00\">January 27, 2020<\/time><\/div>\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__readTime\">4 Min Read<\/span>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__author__group is-layout-flow wp-block-group-is-layout-flow\">\n<img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Avatar.webp?quality=80&w=128&h=128&crop=1\" alt=\"Paige McPhee\">\n\n\n\n<div class=\"wp-block-group articleSingle__author__details is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"wp-block-rbc-html-element articleSingle__author__name\">Paige McPhee<\/span>\n\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__author__designation\"><\/span>\n<\/div>\n<\/div>\n<\/div>\n\n\n<figure class=\"articleSingle__featuredImage wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"620\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2022\/09\/Thumbnail-default-930x620-10.jpg?quality=80&amp;w=930\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"A woman who knows she has her income protection insurance\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2022\/09\/Thumbnail-default-930x620-10.jpg 930w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2022\/09\/Thumbnail-default-930x620-10.jpg?resize=300,200 300w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2022\/09\/Thumbnail-default-930x620-10.jpg?resize=768,512 768w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2022\/09\/Thumbnail-default-930x620-10.jpg?resize=420,280 420w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__container__main is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__page__nav is-layout-flow wp-block-group-is-layout-flow\">\t\t<div class=\"socials-block\">\n\t\t\t\t\t\t<p class=\"socials-block-title\">\n\t\t\tShare this article\t\t<\/p>\n\t\t<div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n\t\t\t\t\t<a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Five Things You Need to Know About Income Protection &#038;body=Hi, I thought you might be interested in this article from RBC Insurance: https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/five-things-you-need-to-know-about-income-protection\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n\t\t\t\talt=\"envelope icon\">\n\t\t\t\t<span>\n\t\t\t\tEmail\t\t\t\t<\/span>\n\t\t\t<\/a>\n\t\t<div class=\"social-button-wrapper sharing-copy-wrapper\">\n\t\t\t<button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/five-things-you-need-to-know-about-income-protection\">\n\t\t\t<img\n\t\t\t\tsrc=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n\t\t\t\talt=\"copy icon\">\n\t\t\t<span id=\"sharing-copyUrl-Label\">\n\t\t\t\tCopy URL\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t<input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n\t\t<\/div>\n\t<\/div>\n  \t\t<\/div>\t\n\t\t\n\n\n<div class=\"wp-block-rbc-tabs-list tabsList\" data-switch=\"lgBp\" data-target-heading=\"h4\"><p class=\"tabsList__heading\">On this page<\/p><div class=\"tabsList__wrapper\"><button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\"><span class=\"selectDropdown__title\">1. Disability insurance ensures that you can still cover the bills, even if you&#039;re unable to work.<\/span><span class=\"selectDropdown__chevron\"><\/span><\/button><ul class=\"tabsList__items selectDropdown__list\"><li class=\"selectDropdown__list__item tabsList__item selected\"><a href=\"#h-1-disability-insurance-ensures-that-you-can-still-cover-the-bills-even-if-youre-unable-to-work\">1. Disability insurance ensures that you can still cover the bills, even if you&#039;re unable to work.<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-2-critical-illness-payouts-can-seriously-help-when-hit-with-a-serious-illness\">2. Critical illness payouts can seriously help when hit with a serious illness.<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-3-disability-insurance-covers-mental-health-and-stress-leave\">3. Disability insurance covers mental health and stress leave<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-4-critical-illness-and-disability-insurance-help-with-rehabilitation\">4. Critical illness and disability insurance help with rehabilitation.<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-5-disability-insurance-isnt-one-size-fits-all\">5. Disability insurance isn\u2019t one size-fits-all.<\/a><\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__content__main tabListHeadings is-layout-flow wp-block-group-is-layout-flow\">\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner \" style=\"border-radius:0x\">\n<p>Whether you&#8217;re self-employed or employed by an existing company, if you&#8217;re unable to perform your job, your position nor your paycheque is guaranteed. While we all would hope to live a healthy, incident-free life, realistically &#8211; and statistically &#8211; things go wrong. And during those times, it pays to be protected &#8211; especially when bills start piling up. So what can you do to protect your paycheque, and your savings when this happens?<\/p>\n<p>Notable Life and RBC Insurance partnered up for a weekend of wellness, learning and fun up in Sundridge Ontario at The Northridge Inn. The guest list included freelance writers, photographers, nutritionists, trainers, entrepreneurs and more. In addition to the guests, RBC Insurance advisors were on site to answer the dozens of questions we all had on insurance and particularly income protection. In my mind, the only way to protect your paycheque was in a piggy bank. But to think that you can protect what you\u2019ve worked to save and your <i>future<\/i> paychecks in case something happens? Now that, I needed to know about.<\/p>\n<h4 id=\"h-1-disability-insurance-ensures-that-you-can-still-cover-the-bills-even-if-youre-unable-to-work\">1. Disability insurance ensures that you can still cover the bills, even if you&#8217;re unable to work.<\/h4>\n<p>Income protection a.k.a. <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/health-insurance\/disability-insurance\/?dlref=Discover-Learn-Insurance&amp;dlarticle=Five-Things-You-Need-to-Know-About-Income-Protection&amp;dltarget=product-info\" target=\"_blank\" rel=\"noopener noreferrer\">disability insurance<\/a> helps to ensure that you&#8217;re still maintaining that salary you were once making at the job you&#8217;re no longer able to perform. If you&#8217;re unable to work due to a serious injury or illness, disability insurance ensures you&#8217;ll be able to cover your bills despite your inability to work.<\/p>\n<h4 id=\"h-2-critical-illness-payouts-can-seriously-help-when-hit-with-a-serious-illness\">2. Critical illness payouts can seriously help when hit with a serious illness.<\/h4>\n<p>Devastating health problems like cancer, kidney failure or heart attacks can be stressful enough on the body &#8211; let alone the mind. <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/health-insurance\/critical-illness-insurance\/?dlref=Discover-Learn-Insurance&amp;dlarticle=Five-Things-You-Need-to-Know-About-Income-Protection&amp;dltarget=product-info\" target=\"_blank\" rel=\"noopener noreferrer\">Critical illness insurance<\/a> provides a lump sum payment that can be used for whatever you want &#8211; from bills to therapy or treatment, so that you can focus on getting better and not your finances.<\/p>\n<h4 id=\"h-3-disability-insurance-covers-mental-health-and-stress-leave\">3. Disability insurance covers mental health and stress leave<\/h4>\n<p>One in 5 Canadians will suffer from mental health issues<sup>1<\/sup>. The last thing you want to do if you can&#8217;t get out of bed is worry about how you&#8217;re going to pay the bills. It&#8217;s always better to be protected than put yourself under more emotional and financial stress.<\/p>\n<h4 id=\"h-4-critical-illness-and-disability-insurance-help-with-rehabilitation\">4. Critical illness and disability insurance help with rehabilitation.<\/h4>\n<p>All you should worry about is getting better when you\u2019ve suffered a physical or mental blow. In addition to financial support, critical illness and disability insurance policies through RBC Insurance both provide a number of assistance services that can help you with rehabilitation and help you better cope with the emotional stress and challenges of a disability or critical illness.<\/p>\n<h4 id=\"h-5-disability-insurance-isnt-one-size-fits-all\">5. Disability insurance isn\u2019t one size-fits-all.<\/h4>\n<p>Some of us are more prone to injury or have certain illnesses in our family history. Some of us are climbing the ladder faster and thus our income moves up more each year. Essentially, everyone\u2019s income is different, everyone\u2019s risk for illness or injury is different and your needs change as your income changes \u2013 so your coverage needs are likely unique to your life. The best approach to getting the right coverage is to sit down with a licensed insurance advisor who can understand your situation and recommend the best coverage plan for your needs.<\/p>\n<p>RBC Insurance is committed to helping consumers feel more confident in their insurance decisions. They want to make sure that their clients are informed and knowledgeable about the different types of insurance and what will work for them and their families.<\/p>\n<h4>Interested in learning more about <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/health-insurance\/disability-insurance\/?dlref=Discover-Learn-Insurance&amp;dlarticle=Five-Things-You-Need-to-Know-About-Income-Protection&amp;dltarget=product-info\" target=\"_blank\" rel=\"noopener noreferrer\">disability<\/a> and <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/health-insurance\/critical-illness-insurance\/?dlref=Discover-Learn-Insurance&amp;dlarticle=Five-Things-You-Need-to-Know-About-Income-Protection&amp;dltarget=product-info\" target=\"_blank\" rel=\"noopener noreferrer\">critical illness<\/a> insurance?<\/h4>\n<p>Speak with an <a href=\"https:\/\/www.rbcinsurance.com\/store\/?dlref=Discover-Learn-Insurance&amp;dlarticle=Five-Things-You-Need-to-Know-About-Income-Protection&amp;dltarget=advisor-locator\" target=\"_blank\" rel=\"noopener noreferrer\">RBC Insurance advisor<\/a> to chat about options that best suit your needs or call us at <span class=\"mobile-hidden\">1-866-262-7920.<\/span><\/p>\n<h6>1) Source: Mental Health Commission of Canada<\/h6>\n\n\n\n<div class=\"wp-block-rbc-section-inner-block  section-inner block-wpr bg-light-blue rounded-corners pos-rel pad-l pad-r mob-pad-r centered-block mob-pad-l pad-t mob-pad-t pad-b mob-pad-b\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading has-text-align-center mar-t mar-b-hlf mob-mar-b-hlf mob-mar-t\" id=\"h-rbc-disability-insurance\">RBC Disability Insurance<\/h2>\n\n\n\n<p class=\"has-text-align-center mar-b-hlf mob-mar-b-hlf pad-r mob-pad-r pad-l mob-pad-l has-text-reg-font-size\">Help ensure your expenses are covered if you get sick or injured<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button has-custom-font-size aligncenter btn is-style-primary primary has-text-lg-font-size\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.rbcinsurance.com\/health-insurance\/disability-insurance-quote\/index.html\" rel=\"noreferrer noopener\" data-dig-id=\"LP-285-476a44f4\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get a quote-https:\/\/www.rbcinsurance.com\/health-insurance\/disability-insurance-quote\/index.html \">Get a quote<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-align-center mar-t-hlf mob-mar-t-hlf pad-b mob-pad-b has-text-reg-font-size\"><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/health-insurance\/disability-insurance\/\" data-dig-id=\"LP-273-18de2c2e\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Learn More\" class=\"rbc-link-format\">Learn More<\/a><\/p>\n<\/div>\n\n\n\n<div style=\"height:46px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse2de7ba0a\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse2de7ba0a\" data-dig-id=\"LP-HomeInsurance-14506-2de7ba0a\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things Our Lawyers Want You to Know\"><div>Things Our Lawyers Want You to Know<\/div><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse2de7ba0a\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p class=\"has-text-sm-font-size\">*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia.<\/p>\n\n\n\n<p class=\"has-text-sm-font-size\">This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<div style=\"height:31px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\t<style type=\"text\/css\">\n\t\t.wp-block-tk-spacer.id-57d4d729-7d89-4985-82ec-5fe5806a57a3 {\n\t\theight: 30px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-57d4d729-7d89-4985-82ec-5fe5806a57a3 {\n\t\t\theight: 15px;\n\t\t}\n\t}\t<\/style>\n\t<div class=\"wp-block-tk-spacer id-57d4d729-7d89-4985-82ec-5fe5806a57a3\" aria-hidden=\"true\"><\/div>\n\t\n\n\n\n<\/div>\n<\/section>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Would you still be able to pay your bills if you are sick or seriously injured and unable to work?<\/p>\n","protected":false},"author":117,"featured_media":7317,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"templates\/new-rbci-design.php","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[46],"tags":[47,19,42,6],"article-type":[80],"ppma_author":[],"class_list":["post-7304","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-health-insurance","tag-critical-illness-insurance","tag-disability-insurance","tag-mental-health","tag-work-life","article-type-advice-learning"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Five Things You Need to Know About Income Protection | RBC Insurance<\/title>\n<meta name=\"description\" content=\"Would you still be able to pay your bills if you are sick or seriously injured and unable to work?\" \/>\n<meta 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