{"id":8015,"date":"2023-09-01T15:56:17","date_gmt":"2023-09-01T15:56:17","guid":{"rendered":"https:\/\/silver.rbcinsurance.com\/en-ca\/2019\/06\/03\/what-is-disability-insurance-is-it-really-worth-it\/"},"modified":"2025-12-30T13:22:46","modified_gmt":"2025-12-30T18:22:46","slug":"what-is-disability-insurance","status":"publish","type":"post","link":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/what-is-disability-insurance","title":{"rendered":"What Is Disability Insurance?"},"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\">What Is Disability Insurance?<\/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=\"2023-09-01T15:56:17-04:00\">September 1, 2023<\/time><\/div>\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__readTime\">13 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=\"RBC Insurance\">\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\">RBC Insurance<\/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=\"930\" height=\"620\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2023\/09\/RBCI-What-Is-Disability-Insurance.jpg?quality=80&amp;w=930\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"A flipped wood cube block on top of pyramid with health and medical icon, elderly in heart and money symbol on top for retirement, elderly care, health and medical concept\" style=\"object-fit:cover;\" srcset=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2023\/09\/RBCI-What-Is-Disability-Insurance.jpg 930w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2023\/09\/RBCI-What-Is-Disability-Insurance.jpg?resize=300,200 300w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2023\/09\/RBCI-What-Is-Disability-Insurance.jpg?resize=768,512 768w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2023\/09\/RBCI-What-Is-Disability-Insurance.jpg?resize=412,275 412w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/><\/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=What Is Disability Insurance? &#038;body=Hi, I thought you might be interested in this article from RBC Insurance: https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/what-is-disability-insurance\">\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\/health-insurance\/what-is-disability-insurance\">\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\">Key takeaways<\/span><span class=\"selectDropdown__chevron\"><\/span><\/button><ul class=\"tabsList__items selectDropdown__list\"><li class=\"selectDropdown__list__item tabsList__item selected\"><a href=\"#h-key-takeaways\">Key takeaways<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-what-is-disability-insurance\">What is disability insurance?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-what-are-the-different-types-of-disability-insurance\">What are the different types of disability insurance?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-how-does-disability-insurance-work\">How does disability insurance work?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-is-disability-insurance-tax-deductible\">Is disability insurance tax deductible?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-what-types-of-illness-or-injury-does-disability-insurance-cover\">What types of illness or injury does disability insurance cover?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-who-should-consider-disability-insurance\">Who should consider disability insurance?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-what-are-the-benefits-of-having-an-individual-disability-insurance-policy\">What are the benefits of having an individual disability insurance policy?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-what-to-look-for-in-an-insurance-company-offering-disability-insurance-plans\">What to look for in an insurance company offering disability insurance plans<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-application-process-for-disability-insurance\">Application process for disability insurance<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-what-is-the-disability-insurance-claim-process\">What is the disability insurance claim process?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-what-happens-after-a-disability-insurance-claim-is-made\">What happens after a disability insurance claim is made?<\/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>Have you ever considered what would happen if you got sick or injured and couldn\u2019t earn an income for months\u2014or even years? How would you manage? That\u2019s the scenario that disability insurance helps to protect you against.<\/p>\n<p>Like many other Canadians, you likely wake up and then begin your workday, so you can pay for everything you need, from shelter to clothing to food. You might get to enjoy some \u201cextras,\u201d too, such as a family vacation, multiple streaming services, or an occasional dinner out with pals. It would be comforting to know that if an injury or illness prevented you from working, you\u2019d still be able to pay your bills.<\/p>\n<p>Here\u2019s what you need to know to help you decide if an individual disability insurance plan is right for you.<\/p>\n<h2 id=\"h-key-takeaways\">Key takeaways<\/h2>\n<ul>\n<li>Disability insurance helps protect your income if you\u2019re unable to work for a period of time due to injury or illness.<\/li>\n<li>There are several types of disability insurance, including group plans purchased by employers for their employees and coverage through government programs such as Employment Insurance and the Canada Pension Plan.<\/li>\n<li>Even if you qualify for government benefits or have a group plan through work, you may still have gaps in your coverage.<\/li>\n<li>With the right plan or combination of plans, you may be able to get up to 100 per cent coverage for your income if you become sick or injured. You may also gain access to special services that can help you return to work sooner.<\/li>\n<li>You\u2019ll especially want to consider an individual disability insurance plan if you\u2019re self-employed or are a high-income earner.<\/li>\n<\/ul>\n<h2 id=\"h-what-is-disability-insurance\">What is disability insurance?<\/h2>\n<p>Disability insurance helps to protect your income in case you aren\u2019t able to work because of injury or illness. If, for example, you break your arm and can\u2019t work, it can provide financial support to help you pay your bills. Your insurance may also include special services, such as additional training and\/or work-site modification, to help you transition back to work when you\u2019re ready.<\/p>\n<h2 id=\"h-what-are-the-different-types-of-disability-insurance\">What are the different types of disability insurance?<\/h2>\n<p>There are a several different types of disability insurance in Canada. Some are provided by employers or the government and others are purchased by individuals.<\/p>\n<ul>\n<li><strong>Short-term disability (STD) insurance:<\/strong> This type of coverage typically lasts for up to six months. Sometimes, employers will have an STD plan for employees that provides some support. Chat with your employer\u2019s human resources (HR) department if you\u2019re curious about whether or not you have a plan and what it covers.<\/li>\n<li><strong>Long-term disability (LTD) insurance:<\/strong> Long-term disability insurance tends to kick in after STD insurance ends. Typically, these benefits last for up to two years or up to a maximum dollar amount. Your employer may have a plan for its employees. Your employer\u2019s HR department will know the details.<\/li>\n<li><strong>Employment Insurance (EI):<\/strong> The government\u2019s EI plan includes benefits if you can\u2019t work for medical reasons. It\u2019s capped at 55 per cent of your earnings to a maximum of $650 per week for up to 26 weeks.<\/li>\n<li><strong>Canada Pension Plan (CPP) disability benefits:<\/strong> If you pay into the Canada Pension Plan and are under 65 years of age, you may be able to claim benefits if you have a disability that regularly prevents you from working.<\/li>\n<li><strong>Individual disability insurance:<\/strong> You can purchase your own coverage to help fill in the gaps left by other insurance plans or to protect yourself if you\u2019re self-employed. This is also sometimes referred to as \u201cillness and injury insurance.\u201d<\/li>\n<\/ul>\n<h2 id=\"h-how-does-disability-insurance-work\">How does disability insurance work?<\/h2>\n<p>At its most basic, disability insurance involves paying a fee (typically monthly) in exchange for financial support if you become sick or injured. It\u2019s a way to ensure there\u2019s money coming in when you\u2019re unable to work. Here are some ways in which your income can be protected:<\/p>\n<ul>\n<li>Your employer pays into a group disability insurance plan on your behalf or takes money off your paycheque to help cover the cost.<\/li>\n<li>You pay an insurance provider for your own individual coverage.<\/li>\n<li>You receive funds from the government through CPP or EI.<\/li>\n<li>You receive funds from some combination of the above.<\/li>\n<\/ul>\n<p>With the right insurance plan or combination of insurance plans, you may be protected for up to 100 per cent of your income, even in cases of mental illness. It\u2019s important to be familiar with your policies, so you can receive the maximum amount of benefits available to you from all your plans.<\/p>\n<p>On top of a monthly payout, some types of individual disability insurance provide additional services to help you get back to work sooner.<\/p>\n<ul>\n<li><strong>Work conditioning:<\/strong> Rehab and occupational therapy treatments may be covered by your insurance.<\/li>\n<li><strong>Work-site modification:<\/strong> If you need special accommodations at work to be able to return (such as a different piece of equipment or a change to your desk set-up), this benefit may help pay for them.<\/li>\n<li><strong>Transferable skills analysis:<\/strong> If you can\u2019t return to your regular job, you could receive help identifying other jobs that suit you based on your education, training, and experience.<\/li>\n<li><strong>Job search assistance:<\/strong> This can help you with resum\u00e9 prep, interview practice, training courses, and more.<\/li>\n<li><strong>Assistive devices:<\/strong> Need a wheelchair, walker, prosthesis, hearing aid, or some other device? Your plan might pay for them.<\/li>\n<li><strong>Dependant care:<\/strong> If you need help caring for kids or aging parents, so you can go to a rehab program, this benefit may ease the costs.<\/li>\n<\/ul>\n<h2 id=\"h-is-disability-insurance-tax-deductible\">Is disability insurance tax deductible?<\/h2>\n<p>Disability insurance premiums themselves are generally not tax deductible. However, in the case that you have an injury or illness and need to use your disability insurance, the benefits will often be tax free if you pay the premiums yourself.<\/p>\n<p>If your employer pays all or part of your premiums, then your benefits will count as income and be taxed.<\/p>\n<h2 id=\"h-what-types-of-illness-or-injury-does-disability-insurance-cover\">What types of illness or injury does disability insurance cover?<\/h2>\n<p>It depends. Some types of disability insurance cover only injury (called an \u201caccident-only policy\u201d) or only illness (such as critical-illness insurance), while others apply to both, but have exceptions or limitations. You may be covered in these types of instances:<\/p>\n<ul>\n<li>You\u2019re in a car accident and need months of rehab.<\/li>\n<li>You fall off your bike and break an arm\u2014and your job requires full use of both hands.<\/li>\n<li>You experience mental health issues that prevent you from working.<\/li>\n<\/ul>\n<h2 id=\"h-who-should-consider-disability-insurance\">Who should consider disability insurance?<\/h2>\n<p>Do you have a job? Do you have a stack of bills to pay each month? If you couldn\u2019t work for six months, would you struggle to support your family and maintain your current lifestyle?<\/p>\n<p>If you answered \u201cyes\u201d to all of these questions, you might want to consider disability insurance.<\/p>\n<p>Here\u2019s who else might benefit from disability insurance.<\/p>\n<ul>\n<li><strong>Self-employed people and business owners:<\/strong> Being your own boss can be a huge perk, but it also means you have no one to catch you if you fall. Disability insurance can offer you that protection.<\/li>\n<li><strong>Workers in trades, construction, and agriculture:<\/strong> Anyone with a job that has a high risk for injury and also requires full use of their body (from carpenters to farmers) should consider disability insurance.<\/li>\n<li><strong>Executives, doctors, and lawyers (and other high-income earners):<\/strong> If you have a high level of income and the lifestyle that goes with it, disability insurance can help protect you in cases where you can\u2019t earn for a period of time.<\/li>\n<li><strong>Anyone who doesn\u2019t have group coverage through work or who wants to top up their coverage:<\/strong> Some people have disability insurance through work, and others don\u2019t. If you don\u2019t have any kind of insurance, consider paying for it yourself. And if you do have some coverage, check to see if it\u2019s enough, or if you should purchase a little extra.<\/li>\n<\/ul>\n<p>Just about anyone who has an income (and bills to pay) should think about getting disability insurance. At the very least, you\u2019ll have confidence that you and your family are protected if you\u2019re unable to work for a few months\u2014or even years.<\/p>\n<h2 id=\"h-what-are-the-benefits-of-having-an-individual-disability-insurance-policy\">What are the benefits of having an individual disability insurance policy?<\/h2>\n<p>When you purchase your own disability insurance policy, you simply have more options. Here are a few possible advantages.<\/p>\n<ul>\n<li><strong>Coverage can\u2019t be cancelled:<\/strong> As long as you pay your premiums, your coverage will continue\u2014no matter what.<\/li>\n<li><strong>Premiums remain stable:<\/strong> It\u2019s possible to lock in your rate for non-cancellable types of individual disability insurance.<\/li>\n<li><strong>Wider definitions of \u201cdisability\u201d:<\/strong> Individual disability insurance plans tend to cover more types of injury and illness than group plans.<\/li>\n<li><strong>Option for an \u201cown occupation\u201d rider:<\/strong> Some occupations make you eligible to add an \u201cown occupation\u201d (a.k.a. \u201cown-occ\u201d) rider to your plan, so you\u2019ll receive benefits if you can\u2019t work in your previous occupation, even if you can find work in another type of job.<\/li>\n<li><strong>Portability:<\/strong> If you change jobs, your coverage goes along with you.<\/li>\n<li><strong>Cost:<\/strong> Individual plans have more versatility than group plans, so you might find a type of disability insurance that will cost you less in the long run.<\/li>\n<li><strong>Option to include additional benefits:<\/strong> Since you\u2019re purchasing the insurance for yourself (rather than your employer paying for it for everyone at the company), there\u2019s more flexibility with the benefits you choose to receive.<\/li>\n<li><strong>Taxation:<\/strong> If you pay for your own insurance plan using income that\u2019s already been taxed, any benefits you claim will be tax free.<\/li>\n<\/ul>\n<h2 id=\"h-what-to-look-for-in-an-insurance-company-offering-disability-insurance-plans\">What to look for in an insurance company offering disability insurance plans<\/h2>\n<p>Before purchasing any type of disability insurance, you\u2019ll want to ask a few questions about the provider and the insurance plans it offers.<\/p>\n<ul>\n<li>Terms and conditions\n<ul>\n<li>How do they define \u201cdisability\u201d?<\/li>\n<li>Are there any exclusions or limitations, such as pre-existing conditions?<\/li>\n<li>What do I need to do to obtain coverage? E.g., provide medical information and\/or financial information?<\/li>\n<\/ul>\n<\/li>\n<li>Coverage options\n<ul>\n<li>How much money will I receive each month if I\u2019m sick or injured? (What percentage of my income will be paid? Is there a dollar limit?)<\/li>\n<li>Can I increase my coverage after getting the policy?<\/li>\n<li>How long will I need to wait before I receive my first payment?<\/li>\n<li>Are the benefits taxable?<\/li>\n<li>Will the benefits be adjusted for inflation?<\/li>\n<li>How long am I able to receive my benefits?<\/li>\n<li>Can I still receive benefits if I\u2019m able to do some work, but not my usual amount?<\/li>\n<li>Do they offer any unique options (such as an own occupation rider)?<\/li>\n<\/ul>\n<\/li>\n<li>Premiums\n<ul>\n<li>How much will it cost me?<\/li>\n<li>Can I lock in my rate?<\/li>\n<li>Will I have to pay my premiums while I\u2019m collecting my benefits?<\/li>\n<\/ul>\n<\/li>\n<li>Return-to-work assistance\n<ul>\n<li>What extra services do they provide to help me return to work?<\/li>\n<\/ul>\n<\/li>\n<li>Access to medical professionals\n<ul>\n<li>Do they have the ability to speed up access to specialists and other health-care professionals whose expertise might help my recovery?<\/li>\n<\/ul>\n<\/li>\n<li>Claims process\n<ul>\n<li>How does their claims process work?<\/li>\n<li>Who handles cases? What is their experience and knowledge level?<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h2 id=\"h-application-process-for-disability-insurance\">Application process for disability insurance<\/h2>\n<p>Ready to look into your options? Here\u2019s how to apply:<\/p>\n<ol>\n<li>Book a call or an appointment with an <a href=\"https:\/\/silver.rbcinsurance.com\/request-a-call\/health-insurance\/index.html\">advisor<\/a> or broker. You\u2019ll have the chance to chat about your unique needs and cover all of the insurance options that might work for your lifestyle.<\/li>\n<li>The advisor will ask you a few simple health-related questions. In most cases, you\u2019ll also need to have a medical exam before you qualify for a policy, but it will depend on your age, as well as the type of plan you want.<\/li>\n<li>If you choose to apply for <a href=\"https:\/\/silver.rbcinsurance.com\/health-insurance\/disability-insurance-quote\/index.html\"><i>RBC Simplified\u00ae<\/i> Disability Insurance<\/a>, you\u2019ll only need to answer a few pre-qualifying questions. No medical exam is necessary.<\/li>\n<\/ol>\n<h2 id=\"h-what-is-the-disability-insurance-claim-process\">What is the disability insurance claim process?<\/h2>\n<p>In an ideal world, you wouldn\u2019t need disability insurance, because you\u2019d never get sick or injured. In the real world, you never know what might happen. Here\u2019s <a href=\"https:\/\/silver.rbcinsurance.com\/files\/00108\/file-108371.pdf\">how you would claim your benefits<\/a> with RBC Insurance if you became sick or injured.<\/p>\n<h3>How do I make a claim?<\/h3>\n<p>You\u2019ll need to fill out a claim form.<\/p>\n<ol>\n<li><strong>If you have a group plan:<\/strong> Check in with your HR department to get the form.<\/li>\n<li><strong>If you have an individual plan:<\/strong> Speak with the advisor who helped you buy the policy.<\/li>\n<\/ol>\n<p>This form has various sections for you, your doctor, and your employer (if you have one) to fill out. Submit your completed form as early as you can after you become ill or injured, so you receive the benefits you qualify for as quickly as possible.<\/p>\n<h2 id=\"h-what-happens-after-a-disability-insurance-claim-is-made\">What happens after a disability insurance claim is made?<\/h2>\n<p>If you\u2019re an RBC Insurance client, your submitted claim form will be assigned to a customer care specialist who has training in your specific injury or illness and will personally handle your case. They\u2019ll contact you within 10 business days. Here\u2019s what to expect.<\/p>\n<ul>\n<li><strong>Claim review:<\/strong> Your customer care specialist will call you to learn about your situation. They\u2019ll ask questions about your condition and the potential amount of time you\u2019ll be away from work, as well as arrange for payment of the financial benefits that you qualify for. They may also speak with your employer and physician if they need more info.<\/li>\n<li><strong>Decision process:<\/strong> It may take some time to understand your claim. Some situations, such as recovery following a routine surgery, are straightforward, and your benefits can begin almost immediately. If your claim is more complicated, it may take longer for your customer care specialist to gather all the necessary information about your financial, medical, and employment history. You will receive a written update on the status of your claim every 30 days until a decision has been reached.<\/li>\n<li><strong>Asking questions:<\/strong> If you ever have any questions or concerns, you can speak directly with your customer care specialist using a toll-free number. This specialist is your single point of contact and is familiar with your unique situation.<\/li>\n<\/ul>\n\n\n\t<style type=\"text\/css\">\n\t\t.wp-block-tk-spacer.id-ba5ecf8d-c1a4-47c4-b39a-49e04f5f8c6a {\n\t\theight: 30px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-ba5ecf8d-c1a4-47c4-b39a-49e04f5f8c6a {\n\t\t\theight: 15px;\n\t\t}\n\t}\t<\/style>\n\t<div class=\"wp-block-tk-spacer id-ba5ecf8d-c1a4-47c4-b39a-49e04f5f8c6a\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<div class=\"wp-block-rbc-section-inner-block  section-inner block-wpr bg-light-blue rounded-corners pos-rel pad-l pad-r mob-pad-r centered-block mob-pad-l pad-t mob-pad-t pad-b mob-pad-b\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading has-text-align-center mar-t mar-b-hlf mob-mar-b-hlf mob-mar-t\" 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-reg-font-size\">Help ensure your expenses are covered if you get sick or injured<\/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 has-custom-font-size aligncenter btn is-style-primary primary has-text-lg-font-size\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/silver.rbcinsurance.com\/health-insurance\/disability-insurance-quote\/index.html\" rel=\"noreferrer noopener\" data-dig-id=\"LP-285-476a44f4\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get a quote-https:\/\/silver.rbcinsurance.com\/health-insurance\/disability-insurance-quote\/index.html \">Get a quote<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-align-center mar-t-hlf mob-mar-t-hlf pad-b mob-pad-b has-text-reg-font-size\"><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/health-insurance\/disability-insurance\/\" data-dig-id=\"LP-273-18de2c2e\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Learn More\" class=\"rbc-link-format\">Learn More<\/a><\/p>\n<\/div>\n\n\n\t<style type=\"text\/css\">\n\t\t.wp-block-tk-spacer.id-34eb1cb9-48db-44b0-9d70-ad98f87d9eee {\n\t\theight: 30px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-34eb1cb9-48db-44b0-9d70-ad98f87d9eee {\n\t\t\theight: 15px;\n\t\t}\n\t}\t<\/style>\n\t<div class=\"wp-block-tk-spacer id-34eb1cb9-48db-44b0-9d70-ad98f87d9eee\" aria-hidden=\"true\"><\/div>\n\t\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-HomeInsurance-14506-2de7ba0a\" data-dig-category=\"LP-HomeInsurance\" 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<div style=\"height:31px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\t<style type=\"text\/css\">\n\t\t.wp-block-tk-spacer.id-1364c76e-36e5-414e-ad06-5215ad5ca3d7 {\n\t\theight: 30px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-1364c76e-36e5-414e-ad06-5215ad5ca3d7 {\n\t\t\theight: 15px;\n\t\t}\n\t}\t<\/style>\n\t<div class=\"wp-block-tk-spacer id-1364c76e-36e5-414e-ad06-5215ad5ca3d7\" aria-hidden=\"true\"><\/div>\n\t\n\n\n\n<\/div>\n<\/section>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Learn why work or government insurance plans may not be enough to protect your income if you&#8217;re hit with an unexpected illness or injury.<\/p>\n","protected":false},"author":120,"featured_media":13392,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"templates\/new-rbci-design.php","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[46],"tags":[19,9],"article-type":[80],"ppma_author":[],"class_list":["post-8015","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-health-insurance","tag-disability-insurance","tag-health-insurance","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>What is disability insurance? | RBC Insurance<\/title>\n<meta name=\"description\" content=\"The right insurance plan can help protect your money if you can&#039;t work due to an illness or injury, even if you already have some coverage at work.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/what-is-disability-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What is disability insurance? Is it really worth it? | RBC Insurance\" \/>\n<meta property=\"og:description\" content=\"The right insurance plan can help protect your money if you can&#039;t work due to an illness or injury, even if you already have some coverage at work.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/what-is-disability-insurance\/\" \/>\n<meta property=\"og:site_name\" content=\"RBC Insurance\" \/>\n<meta property=\"article:author\" content=\"RBC Insurance\" \/>\n<meta property=\"article:published_time\" content=\"2023-09-01T15:56:17+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-30T18:22:46+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2023\/09\/RBCI-What-Is-Disability-Insurance.jpg?quality=80\" \/>\n\t<meta property=\"og:image:width\" content=\"930\" \/>\n\t<meta property=\"og:image:height\" content=\"620\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"What is disability insurance? 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