accessible Health & Living Benefits

Disability Insurance in Canada: Protect Your Income

Monthly income if illness or injury stops you from working — essential for the self-employed.

Your ability to earn is usually your biggest financial asset. Individual disability insurance pays a monthly benefit if illness or injury keeps you off work after a waiting (elimination) period. It is especially important for self-employed Canadians and professionals whose group coverage is limited or tied to an employer.

checkMonthly tax-free benefit when you pay premiums personally
checkOwn-occupation definitions for professionals
checkCoverage that is portable between jobs
checkShort- and long-term options

Instant estimate

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accessibleDisability Insurance estimate

Coverage amount $500,000

$100k$1M$2M

Your age

YRS

Province / territory

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Estimated premium

$113 /mo

Typical range $113–$175

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Example: 35-year-old female, $80,000 income, professional occupation, $4,350/mo benefit, 90-day waiting period · as of October 2026. Estimate, not an offer.

Coverage options

Types of disability insurance in Canada

Long-term disability

Benefits to age 65 or for 2–5 years, after a 30–120 day waiting period.

Short-term / accident & sickness

Faster-starting benefits for shorter absences.

Business overhead expense

Covers rent, staff and fixed costs while an owner recovers.

Specialty coverage

More disability coverage

work_history Disability Insurance for the Self-EmployedDedicated specialist desk

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What affects your price

1Occupation class
2Income
3Waiting period and benefit period
4Definition of disability (own vs any occupation)
5Age and health

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Your instant estimate

Estimates start from about

$113/mo

Example: 35-year-old female, $80,000 income, professional occupation, $4,350/mo benefit, 90-day waiting period · as of October 2026. Not a quote — your price depends on your details and the insurer.

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Local rules & pricing

Disability Insurance by province

ON Disability in Ontario QC Disability in Quebec BC Disability in British Columbia AB Disability in Alberta MB Disability in Manitoba SK Disability in Saskatchewan NS Disability in Nova Scotia NB Disability in New Brunswick NL Disability in Newfoundland and Labrador PE Disability in Prince Edward Island YT Disability in Yukon NT Disability in Northwest Territories NU Disability in Nunavut

Learn before you buy

Disability guides

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quiz Straight answers

Disability Insurance FAQ

policyHave a complaint about an insurer?

Start with the insurer’s complaint officer. Unresolved home, auto and business disputes can go to the General Insurance OmbudService; life and health disputes to the OmbudService for Life & Health Insurance.

How much disability insurance can I get?

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Insurers typically cap benefits at a percentage of your income — often in the range of 60–85% of pre-disability earnings after accounting for tax treatment and other coverage — so you are not better off disabled than working.

Do I need disability insurance if I have EI or CPP?

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EI sickness benefits are short-term and CPP disability has a strict definition and modest benefit. Most advisors view them as a floor, not a replacement for income protection.

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Licensed Michael Le Chi, CFP Certified Financial Planner · Contributing author

Talk it through with a licensed disability advisor

Every request is matched with an advisor licensed in your province who compares insurers for you, explains the fine print and handles the application. No cost to you and no obligation to buy.

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