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Tag: own occupation

Long Term Disability Insurance in Canada (2026): The Coverage Professionals Assume They Have and Usually Don’t

Canadian professional using a wheelchair working confidently from a home office, illustrating long term disability insurance coverage

Educational content. Examples are hypothetical. Many incorporated professionals assume 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 66 percent of […]

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Brenda Nkwocha and Hilda Chukwu are individual licensed life insurance advisors in Ontario. We are currently licensed in Ontario only. The Gap Assessment estimates your gap as a range using your answers and general Canadian benchmarks. It is educational only, and it is not a quote, an offer or a recommendation. If you choose to apply for coverage, starting an application does not guarantee approval, and the insurer makes the final decision. We collect and use your personal information only with your consent, in line with Canadian privacy law (PIPEDA).