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The Risk 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.

It's More Common Than You Think

“It won’t happen to me.”

If you believe that you’re not likely to take time off work due to an illness or injury, you’re not alone. Most Canadians don’t think they’re at risk, and even fewer have thought about the financial implications of a potential disability.

But the risk of disability is higher than you might think. In fact, 1 in 3 Canadians will experience a period of disability lasting longer than 90 days1, indicating that we are overly optimistic about our chances of avoiding disability during our working lives.

Take the time to assess your risk of disability, and explore this site to learn more about the leading causes of disability in Canada, the coverage options available to you, and the costs that can come with being unprepared.

Next: Leading Causes


Did You Know?Did You Know?

  • 62% of Canadian workers have been exposed to someone who has had to take time off work due to a disability
  • 43% of Canadian workers have had an immediate family member or have themselves had to take time off work due to a disability
  • 1 in 7 Canadians are disabled at any given time

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.


1) Statistics Canada, Commissioners disability table A.