If You Can’t Work, Who Pays the Bills? Living Benefits for Farmers in Ontario
Secure Your Financial Future with Ehsan Kian Insurance Advisor – Expertly Tailored Income Protection for Every Stage of Your Life.
What Happens When You Can’t Work for Weeks — or Months?
Your crops won’t wait. The bills won’t stop. And most farmers have no backup plan when sickness or injury strikes. Living Benefits insurance pays you so your farm can keep running — even when you can’t.
Don’t Let One Accident Destroy What You’ve Spent Years Building!
Most farmers insure their tractor before they insure their income. A single injury can stop your earnings cold. Protect your work, your family, and your future with income protection insurance.
Sick? Injured? Hospitalized? You Still Need to Get Paid
Without a financial safety net, one diagnosis could mean selling assets or taking on debt. Living Benefits insurance gives you tax-free money when you can’t work — so your focus stays on recovery, not survival
No Sick Leave. No Benefits. No Income? Not Anymore.
As a self-employed farmer, you're the engine behind everything. Living Benefits plans are built to replace your income — fast payouts when life throws you off track.
If You’re in the Hospital, Who’s Covering the Farm?
Every night you spend in a hospital bed is a night your farm runs without you. Get daily cash benefits to help keep things going.
One Illness Could Cost You a Year of Income
Most farm families need 12 months to recover from cancer, heart attack, or stroke. Our plans pay you upfront — so you can focus on healing, not hustling.
FAQs
Common Questions Answered for Your Income Protection Needs
What is Living Benefits insurance for farmers?
It’s coverage that pays you directly if you get sick, injured, or hospitalized — so you can still support your family and farm even when you can’t work.
I already have life insurance. Why would I need this too?
Life insurance pays when you're gone. Living Benefits pay while you're alive — when a health issue stops you from working your land and earning income.
What illnesses or injuries are covered?
We cover major illnesses like cancer, stroke, and heart attacks — plus accidents, fractures, hospital stays, and disabilities that keep you off the job.
How much does this cost for a farmer like me?
Most farmers are surprised how affordable it is. We’ll find a plan that fits your budget — some start at just a couple dollars a day.
What if I’m hurt on the farm? Am I still covered?
Yes — accidents that happen on the job, around the barn, or in the field are covered. Farming injuries are one of the top reasons people make claims.
Can I also protect my spouse or family members?
Absolutely. You can add your spouse and children to the same plan, so if they face a serious illness, injury, or hospitalization, they’ll receive benefits too — helping your whole family stay financially secure during tough times.