Critical Illness Insurance in Canada (2026): How the Lump Sum Actually Works, and Why It Isn’t Disability or Life Insurance
The question I get most often about critical illness insurance isn't "what does it cover," it's "isn't that basically the same as my disability coverage, or an add-on to my life insurance?" It's neither, and the confusion is understandable because all three products sit in the same conversation. Critical illness insurance pays a tax-free lump […]
Long Term Disability Insurance in Canada (2026): The Coverage Professionals Assume They Have and Usually Don’t
Every incorporated professional I sit down with for a first review assumes the same thing: that if they were ever too sick or injured to work for a long stretch, something at the office already has them covered. Long term disability insurance is the coverage that actually replaces part of your income, usually 50 to […]
Short Term Disability Insurance in Canada (2026): What It Actually Covers, and Why EI Isn’t a Backup Plan
Most of the disability claims I help clients think through at the intake stage aren't the dramatic kind. They're a torn ACL from a weekend soccer game, a bad flu that turns into pneumonia, six weeks recovering from a scope on a bad shoulder. Short term disability insurance is the coverage built for exactly that […]