Michael, a 30-year-old high-earning consultant in Ontario, is considering disability insurance. He expresses concern about the policy only paying for a limited time if he becomes disabled for an extended period. His advisor should highlight which policy feature to address this concern for maximum protection?

Question: Michael, a 30-year-old high-earning consultant in Ontario, is considering disability insurance. He expresses concern about the policy only paying for a limited time if he becomes disabled for an extended period. His advisor should highlight which policy feature to address this concern for maximum protection?

Answer options:

• A 30-day elimination period.
• A 2-year benefit period. ✅ A 'to age 65' benefit period.
• A partial disability rider.

Correct answer: A 'to age 65' benefit period.

Explanation: To address concerns about an extended disability, a 'to age 65' or 'lifetime' benefit period offers the longest protection, ensuring income replacement potentially until retirement. A shorter benefit period like 2 years would not provide maximum protection.