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.
Auto insurance
10 min read
Updated Oct 13, 2026
Ontario Accident Benefits Explained: What Each Benefit Pays Now
Since July 1, 2026, only medical, rehabilitation and attendant care benefits are mandatory on Ontario auto policies. Here is what each accident benefit pays, who it covers and what could fill the gap if you go without one.
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