Valley First

Long Term Disability

No one plans on getting sick or becoming injured, but it does happen. We can help you minimize the devastating effects that a health set-back can have on your finances.


Canada pension plan disability

If you've contributed to the Canada Pension Plan, and have worked at least four of the last six years, you may be eligible for a disability benefit if something happens and you're no longer able to work. To qualify, you must be under the age of 65 and be considered disabled under Canada Pension Plan legislation.

Health insurance

It's a good idea to get additional health insurance if you're the main provider of the house. It's also a good idea to get this insurance before you get sick or injured. If you wait until disaster strikes insurance costs will be extremely high or you may not be able to get insurance at all.


If you have a financial plan, consider meeting with your investment advisor to rearrange your assets if you require sudden withdrawals or cashflow.

Disability income protection service

If you're currently employed, you need to consider getting this type of insurance. It will provide you with a monthly income in the event that you're disabled in some way. The amount you'll need to pay and the amount that you'll be eligible to receive will depend on your age, current income, what type of work you do and how long you want the benefits to last after you stop working.

Long-term care insurance

This type of insurance will help pay the costs of getting any long-term health care you need if you become unable to take care of yourself. You can get policies that will cover an extended stay in a health care facility, or even the cost of having a licensed nurse or health care worker treat you in your own home.


Have a question? Simply contact us and we'll provide you with the information you're looking for.


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In Person

If you're more comfortable coming in to see us, we'd be happy to chat with you about the questions you have.

By Phone

If you’d like to call us, here is a complete list of our branch and insurance office numbers.