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 […]
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 […]