Disability insurance

Does the Canadian government offer disability coverage?

Some, but it’s limited, and it isn’t built to replace your income:

  • EI sickness benefits pay just over half your earnings, up to a weekly maximum, for up to 26 weeks, if you’ve worked enough insured hours. Self-employed people are covered only if they registered for EI special benefits at least 12 months before claiming.
  • The CPP disability benefit is only for a long-term condition that stops you working at any job on a regular basis, and only if you contributed in enough recent years.
  • The Canada Disability Benefit and provincial disability programs are for people with low incomes.

Most workplace disability plans also subtract CPP disability from what they pay.

Reviewed by Garrett Agencies Ltd., October 2026. How we write

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Replaces part of your income if illness or injury stops you working.

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