Disability
Everything you need to know about disability in Ontario — in plain English.
CPP Disability vs. Private Disability Insurance: What's the Difference?
CPP disability vs private insurance: who qualifies for CPP-D, what it pays, how private policies offset it, and why most Ontario earners need private coverage.
How Disability Insurance Claims Work
How a disability insurance claim works in Canada: notice deadlines, the three claim forms, medical evidence, approval, offsets, and what to do if it's denied.
How Much Does Disability Insurance Cost in Canada?
Disability insurance cost in Canada is roughly 1–3% of the income you insure. See what drives the price, a table of levers, and ways to lower your premium.
What Is the Elimination Period in Disability Insurance?
The disability insurance elimination period is the wait before benefits start. How 30, 60, 90 and 120-day options work, what they cost, and how to choose.
Disability Insurance for Accountants in Canada
Disability insurance for accountants: top-class rates, where CPA association plans and firm LTD fall short, premium deductibility, and indicative Ontario costs.
Disability Insurance for Business Owners in Canada
Disability insurance for business owners: personal income protection, business overhead expense and buy-out coverage, how insurers assess incorporated income.
Disability Insurance for Dentists in Canada
Disability insurance for dentists: why hand, neck and back injuries make own-occupation coverage essential, associate vs. owner needs, and indicative costs.
Disability Insurance for Doctors in Canada
Disability insurance for doctors: why physicians need own-occupation coverage naming their specialty, how OMA and resident plans fit, and indicative costs.
Disability Insurance for Lawyers in Canada
Disability insurance for lawyers: where firm LTD and bar association plans fall short, why own-occupation matters for lawyers, and indicative Ontario costs.
Disability Insurance for Nurses in Canada
Disability insurance for nurses: what hospital and union plans cover, why casual and agency nurses are exposed, the 24-month problem, and indicative costs.
Disability Insurance for Physiotherapists in Canada
Disability insurance for physiotherapists: why own-occupation wording matters in a hands-on job, how insurers class physios, clinic-owner needs and costs.
Disability Insurance for Real Estate Agents in Canada
Disability insurance for real estate agents: how insurers treat commission income and PRECs, why most realtors have no group LTD, and indicative monthly costs.
Disability Insurance for Truck Drivers in Canada
Disability insurance for truck drivers: what happens to a claim when you lose your commercial medical, owner-operator vs company driver options, and costs.
Disability Insurance for Tradespeople in Canada
Disability insurance for tradespeople: why WSIB and EI leave electricians, plumbers and carpenters exposed, what insurers offer trades, and indicative costs.
Does EI Cover You If You Can't Work?
EI sickness benefits pay 55% of earnings for up to 26 weeks. Who qualifies, how EI sickness benefits for the self-employed work, and what pays after week 26.
Group vs. Individual Disability Insurance: Which Do You Need?
Group vs individual disability insurance compared: definitions, tax, portability, cost and the gaps in employer LTD plans, plus when you should hold both.
How Much Disability Insurance Do I Need? (Canada Guide)
How much disability insurance do I need? A plain-English Canadian guide to the 60–70% rule, insurer maximums, benefit and waiting periods, and worked examples.
Mortgage Disability Insurance vs. Personal Coverage
Mortgage disability insurance from a lender pays the mortgage for a limited time; personal disability insurance pays you. How each works and which to choose.
Own-Occupation vs. Any-Occupation Disability Insurance
Own occupation disability insurance pays if you can't do your job; any-occupation pays only if you can't do any job. Definitions, cost and who needs which.
Short-Term vs. Long-Term Disability Insurance in Canada
Short term vs long term disability explained for Canadians: how STD and LTD differ, how they hand off, self-employed gaps, and what to check in a group plan.
Disability Insurance for the Self-Employed in Ontario
If you're self-employed in Ontario, you have no employer safety net. Here's how disability insurance works for freelancers, contractors, and business owners — and what to look for.
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