Disability Insurance in Canada (2026): The Five Sources of Income Protection, and Why They Rarely Add Up on Their Own
Almost every client who tells me they're "covered" for disability is actually describing one piece of a five-piece puzzle, usually the group plan at work, sometimes the mortgage disability insurance the bank offered at closing, occasionally a vague sense that Employment Insurance handles the rest. Disability insurance in Canada isn't one product. It's an umbrella […]