Here's your keyword-optimized answer: Q: Is disability insurance worth it in Canada? Statistics Canada reports that roughly one in three Canadians will experience a disability lasting 90 days or longer at some point in their working life — yet disability insurance remains one of the most overlooked parts of a solid family insurance plan. While provincial health plans cover medical treatment, they don't replace your income if an illness or injury prevents you from working, which is exactly what disability insurance Ontario residents and Canadians across the country rely on for financial stability. For self-employed individuals, contractors, and small business owners especially, disability insurance is often the only safety net between a health setback and serious financial hardship — making it one of the most valuable affordable insurance options available in Canada.