Self-Employed? How to Qualify for Koodo Bill Payment Protection

Running your own business doesn't rule you out. Self-employed customers can qualify for Koodo Bill Payment Protection — the requirements are just different from those for employees. Here's what has to be true.

🧾 Are You Eligible? Let's Break It Down

To be covered as a self-employed person, all of the following need to be true:

• You live in Canada

You're a Canadian resident and at least 18 years old when your coverage starts.

• You've got an active TELUS service

Your Koodo account needs to be current and in good standing at the time you lose your income.

• You own and operate an incorporated business

It must be legally incorporated and have been operating in Canada for at least 2 continuous years before your coverage start date.

• You work full-time in that business

At least 25 hours a week, earning taxable income under the Canada Income Tax Act.

• Your coverage has been active for more than 90 days

A loss of income that begins in the first 90 days after you enroll isn't covered. Heads up: for employees that window is 30 days — it's longer if you're self-employed.

• You've been involuntarily unemployed for more than 30 consecutive days

This is the waiting period before you can submit a claim.

• You've paid special EI premiums to the CRA

Where those premiums apply to you.

• You're actively looking for work

You're available to work full-time and able to show proof that you're looking if asked.

• No recent Critical Illness payout

You haven't received a Critical Illness benefit under this policy in the past 6 months.

📄 What You'll Need to Show

Self-employed claims need more paperwork than employee claims. Have these ready:

• Articles of incorporation and your current business licence
• Financial statements covering the past 3 years of operations
• Business tax returns filed with the CRA
• Personal and spousal tax returns for the past 3 years
• Bankruptcy court documents, if the business has filed

Written proof needs to reach the claims administrator within 90 days of the date of loss.

🚫 When You Can't Make a Claim

Not every situation is covered. You won't qualify if:

• You chose to close or stop operating the business
• You've retired
• You knew the loss of income was coming when you signed up
• Your business closed because of misconduct, negligence, or voluntarily giving up income
• You're on maternity, parental, or adoption leave
• You took family or caregiver leave
• You're part of a strike or lockout
• Your loss of income was due to disability (that's a separate benefit)
• You were discharged for cause by a hiring company or customer
• You're dealing with criminal charges or are incarcerated
• You lost income due to support payment issues
• Or anything else listed under "General Exclusions" in the policy

📘 The Fine Print

Eligibility is confirmed by the claims administrator based on the policy terms and the documents you provide. For the full wording, read the sample policy certificate.

Updated on: 01/09/2026