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Leading Causes of Disability

Many Canadians have misconceptions when it comes to disability. As a result, most working adults aren’t financially prepared for an illness or injury. Here, we shed some light on the most common misconceptions—and what you can do to protect yourself.

The Most Common Forms May Surprise You

“I’m careful—I won’t get hurt.”

There is a mistaken belief among Canadians that most disabilities tend to be catastrophic—one-time, traumatic events that are a result of carelessness. The leading causes of disabilities in Canada are actually very different. Common, chronic conditions are 6 times more likely to cause disabilities than accidents2—conditions such as:

  • Mental illness
  • Cancers
  • Cardiovascular disease
  • Musculoskeletal disease such as arthritis

What’s more, 73% of Canadians feel that the chance of a disability can be reduced with a healthy lifestyle. While this is partially true, even with a healthy lifestyle, any number of conditions can lead to serious, long-term disability.

Next: The Coverage Gap


Did You Know?Did You Know?

  • Less than 10% of disabilities are caused by accidents
  • Chronic conditions are 6 times more likely to cause a disability than an accident

See What’s at StakeSee What’s at Stake

Take a moment to calculate your disability risk and how much income you may have at stake.


Take ActionTake Action

Protect your most valuable asset—your ability to earn an income.


2) World Health Organization—Disease and Injury country estimates [Retrieved November 2013]