Disability insurance replaces part of your income if an illness or injury prevents you from working — so Ontario families can keep paying the bills while you recover.
Disability insurance in Ontario: protect your ability to earn
Over a working lifetime, your ability to earn an income is likely your most valuable asset. Yet many Canadians have little or no disability coverage, or rely on a group plan that may not cover enough — or may end when they change jobs.
We’ll review any coverage you already have and help you fill the gap with a plan that fits your occupation and budget.
Is it right for you?
- You’re self-employed, a contractor or a business owner
- You have no disability coverage through work
- Your group plan covers only part of your income
- Your family couldn’t manage on savings for more than a few months
- You work in a physical or skilled trade
Key choices in a disability plan
Waiting period
How long you wait before benefits start — often 30, 60, 90 or 120 days. A longer wait usually means a lower premium.
Benefit period
How long benefits can be paid — for example 2 years, 5 years or to age 65. Longer protection costs more but covers serious long-term disabilities.
Definition of disability
Whether you’re covered if you can’t do your own occupation or any occupation. This makes a big difference — we’ll explain it clearly.
Good to know
- Benefits from a policy you pay for personally are generally received tax-free.
- The amount you can buy is based on your income and occupation.
- Options such as cost-of-living increases or partial-disability benefits may be available.
- All coverage is subject to the insurer’s underwriting approval.
- Before you buy disability insurance in Ontario, you can confirm any agent’s licence on the Financial Services Regulatory Authority of Ontario (FSRA) website.
Let’s talk about your family’s plan
Book a no-obligation needs review. We’ll look at what you have, what you need, and the options that fit your budget — in plain language.