{"id":33399,"date":"2026-01-23T14:00:52","date_gmt":"2026-01-23T19:00:52","guid":{"rendered":"https:\/\/silver.rbcinsurance.com\/en-ca\/?p=33399"},"modified":"2026-01-26T12:34:29","modified_gmt":"2026-01-26T17:34:29","slug":"disability-insurance-are-you-covered","status":"publish","type":"post","link":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/disability-insurance\/disability-insurance-are-you-covered","title":{"rendered":"Disability Insurance: Are You Covered?"},"content":{"rendered":"\n<div class=\"wp-block-rbc-template-selector templateSelector template__article articleSingle\" data-template=\"article\">\n<div class=\"wp-block-group articleSingle__container tabListStickyWrapper is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero__inner is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/\">Home<\/a><\/span><\/span>\n\n\n\n<div class=\"wp-block-group articleSingle__featuredImage__group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__title__group is-layout-flow wp-block-group-is-layout-flow\"><h1 class=\"wp-block-post-title\">Disability Insurance: Are You Covered?<\/h1>\n\n\n<div class=\"wp-block-group articleSingle__date__group is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-post-date\"><time datetime=\"2026-01-23T14:00:52-05:00\">January 23, 2026<\/time><\/div>\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__readTime\">10 Min Read<\/span>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__author__group is-layout-flow wp-block-group-is-layout-flow\">\n<img decoding=\"async\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Avatar.webp?quality=80&w=128&h=128&crop=1\" alt=\"Lisa Jackson\">\n\n\n\n<div class=\"wp-block-group articleSingle__author__details is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"wp-block-rbc-html-element articleSingle__author__name\">Lisa Jackson<\/span>\n\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__author__designation\"><\/span>\n<\/div>\n<\/div>\n<\/div>\n\n\n<figure class=\"articleSingle__featuredImage wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/disability-insurance-are-you-covered.webp?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Disability insurance: are you covered?\" style=\"object-fit:cover;\" srcset=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/disability-insurance-are-you-covered.webp 1024w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/disability-insurance-are-you-covered.webp?resize=300,200 300w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/disability-insurance-are-you-covered.webp?resize=768,512 768w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/disability-insurance-are-you-covered.webp?resize=412,275 412w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__container__main is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__page__nav is-layout-flow wp-block-group-is-layout-flow\">\t\t<div class=\"socials-block\">\n\t\t\t\t\t\t<p class=\"socials-block-title\">\n\t\t\tShare this article\t\t<\/p>\n\t\t<div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n\t\t\t\t\t<a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Disability Insurance: Are You Covered? &#038;body=Hi, I thought you might be interested in this article from RBC Insurance: https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/disability-insurance\/disability-insurance-are-you-covered\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n\t\t\t\talt=\"envelope icon\">\n\t\t\t\t<span>\n\t\t\t\tEmail\t\t\t\t<\/span>\n\t\t\t<\/a>\n\t\t<div class=\"social-button-wrapper sharing-copy-wrapper\">\n\t\t\t<button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/disability-insurance\/disability-insurance-are-you-covered\">\n\t\t\t<img\n\t\t\t\tsrc=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n\t\t\t\talt=\"copy icon\">\n\t\t\t<span id=\"sharing-copyUrl-Label\">\n\t\t\t\tCopy URL\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t<input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n\t\t<\/div>\n\t<\/div>\n  \t\t<\/div>\t\n\t\t\n\n\n<div class=\"wp-block-rbc-tabs-list tabsList\" data-switch=\"lgBp\" data-target-heading=\"h2\"><p class=\"tabsList__heading\">On this page<\/p><div class=\"tabsList__wrapper\"><button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\"><span class=\"selectDropdown__title\">Understanding disability insurance<\/span><span class=\"selectDropdown__chevron\"><\/span><\/button><ul class=\"tabsList__items selectDropdown__list\"><li class=\"selectDropdown__list__item tabsList__item selected\"><a href=\"#h-understanding-disability-insurance\">Understanding disability insurance<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-what-does-a-disability-insurance-policy-cover\">What does a disability insurance policy cover?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-what-are-the-benefits-of-disability-insurance\">What are the benefits of disability insurance?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-how-much-disability-insurance-do-you-need\">How much disability insurance do you need?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-key-factors-to-consider-when-applying-for-disability-insurance\">Key factors to consider when applying for disability insurance<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-cover-yourself-and-your-income-with-disability-insurance\">Cover yourself and your income with disability insurance<\/a><\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__content__main tabListHeadings is-layout-flow wp-block-group-is-layout-flow\">\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner \" style=\"border-radius:0x\">\n<p>Many Canadians are good at insuring the obvious stuff: their life, their home, their car, maybe even their phone (if it\u2019s fancy enough). But what often gets overlooked is insuring the one thing that pays for all of it \u2014 your income. This is where <a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/health-insurance\/disability-insurance\/\" data-dig-id=\"LP-DisabilityInsurance-33399-71f9a95a\" data-dig-category=\"LP-DisabilityInsurance\" data-dig-action=\"link click\" data-dig-label=\"disability insurance\" class=\"rbc-link-format\">disability insurance<\/a> comes into the picture.<\/p>\n\n\n\n<p>Here\u2019s an uncomfortable truth: if something serious affected your health, your finances could unravel faster than you might expect. While many people focus on solely protecting themselves with life insurance, the odds tell a different story \u2014 you\u2019re far more likely to be sidelined by illness or injury than to die during your working years. In fact, about one in three working-age Canadians will become disabled and unable to work before age 65.<\/p>\n\n\n\n<p>One big reason why many people aren\u2019t prepared? Some Canadians assume their employer\u2019s disability insurance has them covered. But group health plans usually only replace a portion&nbsp;of your income, may cover you for as long as you\u2019d need, and don\u2019t follow you if you leave your job. And the <a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/newsroom\/whats-the-plan-when-life-happens-most-canadians-dont-have-one-rbc-insurance-poll\/\" data-dig-id=\"LP-DisabilityInsurance-33399-3b8e0c6e\" data-dig-category=\"LP-DisabilityInsurance\" data-dig-action=\"link click\" data-dig-label=\"risks are real\" class=\"rbc-link-format\">risks are real<\/a>: nearly 30 per cent of Canadians say their savings would run out within six months after a major health setback, yet only about 10 per cent have disability insurance.<\/p>\n\n\n\n<p>This article breaks down how disability insurance works in Canada, what workplace disability coverage does (and doesn\u2019t) provide, and how to make sure your most valuable asset \u2014 your ability to earn a living \u2014 is properly protected. Because hoping your benefits are enough isn\u2019t much of a plan.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-key-takeaways\">Key takeaways<\/h3>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>One in three Canadians will be unable to work at some point before age 65.<\/strong> Illness or injury is far more likely during working years than death, yet these risks are too often underinsured.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Your ability to earn an income is your biggest financial asset<\/strong>. It pays for everything else, but it\u2019s easy to overlook when thinking about protection with disability insurance.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Disability insurance <\/strong>provide income support if illness or injury prevents you from working.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Workplace disability coverage can often be overestimated<\/strong>. Employer group plans usually replace only part of your income, may be taxable, may not last long enough, and typically end when you change jobs.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Disability coverage is often more affordable than you\u2019d expect. <\/strong>Depending on the type and amount of coverage, disability insurance may cost roughly 1 per cent to 3 per cent of your annual income.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-understanding-disability-insurance\">Understanding disability insurance<\/h2>\n\n\n\n<p>Disability insurance is a type of insurance product that helps replace a portion of your income if an injury, illness or mental health event stops you from working \u2013 regardless of whether the injury or illness occurred in the workplace or elsewhere. In other words, it helps protect your financial security while you focus on getting better.<\/p>\n\n\n\n<p>In general, disability insurance replaces part of your income \u2014 not all of it \u2014 up to a maximum amount and for a set period of time. How much you receive, when payments begin, and how long benefits last all depend on your policy.<\/p>\n\n\n\n<p>Some Canadians have disability insurance through an employer, as part of their group health benefits. Others choose to buy coverage through a licensed insurance advisor, especially if they\u2019re self-employed or want to top up the coverage they already have.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-types-of-disability-insurance\">Types of disability insurance<\/h3>\n\n\n\n<p>There are two main types of disability insurance available in Canada:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Short-term disability insurance<\/strong> covers temporary time away from work, like recovering from a hospital stay, with benefits that typically last up to six months while you recover from an illness or injury.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Long-term disability insurance<\/strong> is designed for more serious or long-lasting conditions, such as cancer. Some plans may provide coverage if you can\u2019t return to your job for up to two years. After that, benefits may continue if you\u2019re unable to work in <em>any<\/em> job.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>In other words, these two types of disability insurance are designed for different \u201cwhat if\u201d scenarios, and they\u2019re <a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/what-is-disability-insurance\/\" data-dig-id=\"LP-DisabilityInsurance-33399-6ef15cd9\" data-dig-category=\"LP-DisabilityInsurance\" data-dig-action=\"link click\" data-dig-label=\"not the only types of disability insurance available\" class=\"rbc-link-format\">not the only types of disability insurance available<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-does-a-disability-insurance-policy-cover\">What does a disability insurance policy cover?<\/h2>\n\n\n\n<p>At this point, you might be wondering, <em>Okay, but what actually counts as a disability? <\/em>What qualifies as a disability will largely depends on the policy you choose, and the details in the plan.<\/p>\n\n\n\n<p>Some policies are narrower than others. For example, an accident-only policy covers disabilities caused by injury, but not illness. More comprehensive disability insurance policies can cover both illness and injury, though exclusions and limitations may still apply.<\/p>\n\n\n\n<p>Depending on your coverage, disability insurance may provide income support if:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>You\u2019re injured in a car accident and need months of rehabilitation.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>You fall while skiing, break an arm, and your job requires full use of both hands.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>You experience mental health challenges that make it impossible to work.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>The key thing to remember? Disability insurance policies aren\u2019t one-size-fits-all.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-are-the-benefits-of-disability-insurance\">What are the benefits of disability insurance?<\/h2>\n\n\n\n<p>The benefits of disability insurance go beyond replacing a paycheque. For Canadians and their families, disability insurance can provide financial stability and flexibility during an otherwise stressful time. Here\u2019s what it can help with:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-income-replacement\">Income replacement<\/h3>\n\n\n\n<p>Disability insurance benefits are usually paid directly to you, which means <em>you<\/em> decide how to use the money \u2014 rent, groceries, medical costs, car payments, whatever\u2019s most pressing. With private disability insurance, if you pay your premiums yourself using after-tax income, the benefits you receive are generally tax-free.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-peace-of-mind\">Peace of mind<\/h3>\n\n\n\n<p>The length someone is unable to work <a href=\"https:\/\/assets.rbcinsurance.com\/m\/97312104d5d75f67\/original\/Disability-A-Canadian-Reality.pdf\" data-dig-id=\"LP-DisabilityInsurance-33399-830bc661\" data-dig-category=\"LP-DisabilityInsurance\" data-dig-action=\"link click\" data-dig-label=\"due to disability\" class=\"rbc-link-format\">due to disability<\/a> can last years \u2014 on average between 2.1 and 3.2 years. That\u2019s a long time to rely on savings alone. Having income protection from disability insurance can ease financial stress so you can focus on recovery, not constant money worries.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-support-while-returning-to-work\">Support while returning to work<\/h3>\n\n\n\n<p>Getting back to work after an illness or injury isn\u2019t always a straight line. Some disability insurance policies may include <a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/health-insurance\/return-to-work-benefits\/\" data-dig-id=\"LP-DisabilityInsurance-33399-c16d3eaa\" data-dig-category=\"LP-DisabilityInsurance\" data-dig-action=\"link click\" data-dig-label=\"return to work benefits\" class=\"rbc-link-format\">return to work benefits<\/a>, such as rehabilitation services, retraining, or workplace accommodations, to help make that transition smoother when you\u2019re ready.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-a-top-up-to-government-benefits\">A top-up to government benefits<\/h3>\n\n\n\n<p>Government programs like Employment Insurance (EI), the Canada Pension Plan (CPP), or Quebec Pension Plan (QPP) can provide support, but eligibility rules are strict and coverage is limited. Private disability insurance can help fill the gap when government benefits don\u2019t go far enough.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-coverage-that-stays-with-you\">Coverage that stays with you<\/h3>\n\n\n\n<p>Disability insurance through an employer usually ends when your job does. Whereas private disability insurance isn\u2019t tied to your employer, so it can stay with you if you change jobs, become self-employed, or retire.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-more-flexibility-than-workplace-coverage\">More flexibility than workplace coverage<\/h3>\n\n\n\n<p>Group insurance plans don\u2019t always go as far as expected. Many replace only about half of your net income, and benefits are often taxable if your employer pays the premiums \u2013 leaving you with less money to cover expenses.<\/p>\n\n\n\n<p>On the other hand, individual disability insurance plans usually offer more flexibility, a broader definition of what is included as a disability, and optional features tied to how you actually work. If you pay the premiums yourself, benefits are generally tax-free.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-more-affordable-than-expected\">More affordable than expected<\/h3>\n\n\n\n<p>With individual disability insurance, you can often adjust coverage to fit your needs and budget. Depending on the type of disability insurance and amount of coverage, it may cost roughly 1 per cent to 3 per cent of your annual income.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-much-disability-insurance-do-you-need\">How much disability insurance do you need?<\/h2>\n\n\n\n<p>The short answer is: it depends. Disability insurance is generally designed to replace between 60 per cent and 85 per cent of your income. Many Canadians rely on workplace group coverage, but employer plans typically replace only part of your income, limit how long you\u2019ll receive disability benefits, or place restrictions on what is covered as a disability. That\u2019s why some people choose to supplement workplace coverage with a private disability insurance plan.<\/p>\n\n\n\n<p>When calculating how much disability insurance you need, it\u2019s more helpful to think about what your income supports \u2014 and which expenses are will still need to be covered if your paycheque stopped. A few key considerations include:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Current coverage. <\/strong>Group benefits can help, but many replace only about half of your net income. That may work for a while, but what happens if you need long-term disability coverage?<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Your everyday lifestyle. <\/strong>How much does it actually cost to run your life right now? If you had to cut back, what\u2019s realistic? And for how long?<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Your fixed expenses and savings.<\/strong> Bills don\u2019t stop because you\u2019re sick or injured, and savings can be wiped out faster than expected.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>The people who depend on you.<\/strong> If others depend on your income, going from two paycheques to one (or none!) can be a big adjustment. Add caregiving into the mix, and it can get even harder.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Your work flexibility.<\/strong> If you couldn\u2019t do your current job, could you reasonably pivot? Or does your income hinge on specific skills, physical demands, or credentials?<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Your longer-term plans.<\/strong> Time away from work can impact things like retirement, education savings, or buying a home.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>Not sure where to start? You can plug your numbers into the <a href=\"https:\/\/silver.rbcinsurance.com\/health-insurance\/disability-insurance-calculator\/index.html\" data-dig-id=\"LP-DisabilityInsurance-33399-4cd7f307\" data-dig-category=\"LP-DisabilityInsurance\" data-dig-action=\"link click\" data-dig-label=\"disability insurance calculator\" class=\"rbc-link-format\">disability insurance calculator<\/a> from RBC Insurance and see how your income, expenses, and existing coverage stack up.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-key-factors-to-consider-when-applying-for-disability-insurance\">Key factors to consider when applying for disability insurance<\/h2>\n\n\n\n<p>Beyond the monthly benefit amount, a few details can make a big difference when applying for disability insurance:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Your existing coverage.<\/strong> Take stock of what policies you already have in place and pinpoint any gaps in coverage.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>How is disability defined? <\/strong>This could a big consideration, as definitions vary by insurer. Some policies may focus on whether you can do your job, while others look at whether you can do <em>any<\/em> job. Also, carefully review the exclusions or limitations, including pre-existing conditions.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>The waiting period. <\/strong>This is how long you need to be off work before disability benefits kick in (e.g., 30, 60, 90, or 120 days).<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>How long do disability benefits last? <\/strong>Some policies pay benefits for a set period, while others continue until a certain age, such as 65. Make sure that timeline aligns with how long you would want support to span.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Cost, taxes, and flexibility<\/strong><strong>. <\/strong>Premiums depend on factors like age, health, occupation, and coverage choices. It\u2019s also worth checking out how benefits are taxed, whether coverage can be increased later, and whether partial work is allowed while receiving benefits.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Support and claims. <\/strong>Ask how disability insurance claims are handled and whether the policy includes additional support, like return to work services.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-cover-yourself-and-your-income-with-disability-insurance\">Cover yourself and your income with disability insurance <\/h2>\n\n\n\n<p>The odds of winning the lottery are about one in 14 million, and people still buy tickets. But the chances of becoming disabled and unable to work at some point during your career? Closer to one in three.<\/p>\n\n\n\n<p>Disability insurance can help safeguard the life you\u2019ve built if illness or injury prevents you from working. Group disability coverage through an employer can help protect you, but it may not be enough to sufficiently cover your expenses.<\/p>\n\n\n\n<p>If you\u2019re unsure how much protection you need,&nbsp; RBC Insurance\u2019s <a href=\"https:\/\/silver.rbcinsurance.com\/health-insurance\/disability-insurance-calculator\/index.html\" data-dig-id=\"LP-DisabilityInsurance-33399-d5a60500\" data-dig-category=\"LP-DisabilityInsurance\" data-dig-action=\"link click\" data-dig-label=\"disability calculator\" class=\"rbc-link-format\">disability calculator<\/a> can help you estimate how your income, expenses, and existing coverage line up. Still have questions? One of our licensed insurance advisors can help you make sense of the options. Because your financial security isn\u2019t something to leave to luck.<\/p>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<section class=\"wp-block-rbc-section-block  pos-rel has-fff-background-color has-background\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner block-wpr bg-light-blue rounded-corners pos-rel mob-pad-t pad-t pad-b mob-pad-b pad-l mob-pad-l pad-r mob-pad-r centered-block\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading has-text-align-center mar-b-hlf mob-mar-b-hlf mob-pad-t-hlf\" id=\"h-rbc-disability-insurance\">RBC Disability Insurance<\/h2>\n\n\n\n<p class=\"has-text-align-center mar-b-hlf mob-mar-b-hlf pad-r mob-pad-r pad-l mob-pad-l has-text-lg-font-size\">Protect your income if an injury, illness or mental health event stops you from working.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn before is-style-primary primary aligncenter\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/silver.rbcinsurance.com\/health-insurance\/disability-insurance-calculator\/index.html\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-DisabilityInsurance-33399-476a44f4\" data-dig-category=\"LP-DisabilityInsurance\" data-dig-action=\"button click\" data-dig-label=\"Get A Quote-https:\/\/silver.rbcinsurance.com\/health-insurance\/disability-insurance-calculator\/index.html \">Get A Quote<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-align-center  mar-t-hlf\"><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/travel-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-CTA-72-b7ecbe10\" data-dig-label=\"Learn More\" data-dig-action=\"link click\" data-dig-category=\"LP-CTA\" class=\"rbc-link-format\">Learn <\/a><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/health-insurance\/disability-insurance\/\" target=\"_blank\" data-dig-id=\"LP-CTA-72-b7ecbe10\" data-dig-category=\"LP-CTA\" data-dig-action=\"link click\" data-dig-label=\"Learn More\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">More<\/a><\/p>\n<\/div>\n<\/section>\n<\/div>\n<\/section>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse2de7ba0a\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse2de7ba0a\" data-dig-id=\"LP-10384-2de7ba0a\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things Our Lawyers Want You to Know\"><div>Things Our Lawyers Want You to Know<\/div><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse2de7ba0a\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p class=\"has-text-sm-font-size\">*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia.<\/p>\n\n\n\n<p class=\"has-text-sm-font-size\">This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n\n<\/div>\n<\/section>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>You may have disability insurance through your employer, but is it enough to cover your income? Learn about affordable disability insurance options that can fill coverage gaps.<\/p>\n","protected":false},"author":208,"featured_media":33419,"comment_status":"open","ping_status":"open","sticky":false,"template":"templates\/new-rbci-design.php","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[147],"tags":[19,26],"article-type":[80],"ppma_author":[169],"class_list":["post-33399","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-disability-insurance","tag-disability-insurance","tag-health-and-wellness","article-type-advice-learning"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Disability Insurance: Are You Covered? | RBC Insurance<\/title>\n<meta name=\"description\" content=\"You may have disability insurance through your employer, but is it enough to cover your income? 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