Stroke · events each year
108,000+
Strokes occur in Canada each year — approximately one every five minutes, according to Heart & Stroke.
Counts stroke events, not necessarily different individuals.
Heart & Stroke · 2026Understand your coverage
Disability Insurance
A plan for your income when you cannot work.
What is it designed to do?
Your ability to earn an income supports much of your everyday life. Disability insurance may replace part of that income if a covered illness or injury prevents you from working, subject to the policy’s definition of disability.
Why consider it?
Rent or mortgage payments, groceries and other commitments can continue while you recover. Reviewing income protection helps you understand how long your savings and workplace benefits might last, and whether there is a gap worth addressing.
Details worth understanding
- Understand how the policy defines disability and your occupation.
- Review the waiting period before benefits begin and how long they can continue.
- Check benefit amounts, exclusions and how other income may affect payments.
A question to consider · hypothetical example
If you could not work for several months, what income would continue and what expenses would remain? A simple review can make that picture clearer.
A common question
Do my workplace benefits already cover me?
They may provide some protection. The amount, waiting period and duration vary, and coverage can change when you change jobs. Your benefits booklet is a useful starting point.
Keep exploring
General information only. Benefits and eligibility depend on the insurer and the policy’s definitions, terms, conditions, limitations and exclusions.
Canadian context · Sources included
Understanding the bigger picture.
These figures describe population health, not your personal risk or the likelihood of an insurance payment. They help frame a conversation about financial preparation.
Sources reviewed November 5, 2026. Reference periods differ; these measures should not be added together or compared as equivalent risks.
A considered next step
A clearer picture starts
with a conversation.
Bring your questions. We’ll work through them together.