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John Fleming Insurance - Burnaby BC Insurance Broker

Get the right disability insurance coverage with real help.

Clear coverage for unexpected illness or injury.

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Disability insurance helps replace part of your income if illness or injury prevents you from working. For many people, their ability to earn an income is their most important asset.

We help employees, self-employed people, and business owners across Burnaby, the Lower Mainland, and all of British Columbia understand their existing disability coverage—through work, government programs, or private plans—and where gaps may exist. We walk through benefit amounts, waiting periods, definitions of disability, and policy options so your coverage matches your real-life needs.

If you're not sure what would happen to your income if you couldn't work for a while, we can walk you through it.

Coverage Options

Replaces income for temporary illness or injury (weeks to months).

Provides income if you're unable to work for extended periods.

Defines whether you must work your current job or any job to qualify.

Coverage if you can work part-time but not full-time.

Help transitioning back to work when you're ready.

Not sure which disability plan fits your work? We can help.

Frequently Asked Questions

Coverage that replaces your income if you can't work due to illness or injury.

Most policies replace 60–70% of your gross income.

Short-term covers weeks to months. Long-term can last years or until retirement.

Sick days are limited. Disability insurance covers extended absences.

Depends on who pays premiums. We explain the tax implications.

Have questions about disability coverage? We're here to help.

Trusted by Burnaby families for over 40 years.

Ready to get covered?

Let's get your quote started. We can walk you through the steps.

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