Group Insurance and Medical Tests


Most group insurance policies in Canada do not require medical evidence with the application, meaning that employees in the company can obtain life, disability, and health coverage without a medical. The one caveat is that the insurance company can adjust the company’s premiums on renewal if they have a very high claims experience.

Most insurance carriers in Canada have a non-evidence limit on life insurance and disability insurance. The amounts for long-term disability insurance vary from company to company, but they’re generally in the $1,500 a month benefit range and the $75,000 range in terms of life insurance.

Additional life and disability insurance may be obtained by the employee, subject to a medical. Larger companies may qualify for higher amounts of non-evident life and disability insurance coverage.

For more details on group insurance in Canada, please contact us at 1-866-899-4849 or visit our Group Benefits Online Quotes Page.

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