Your income sets how much you can get. Insurers cover a share of it, roughly two-thirds at moderate incomes, falling to about half at higher incomes, up to a monthly maximum, and any workplace coverage counts toward that limit. Without earned income, there’s nothing to insure. Your age mainly affects the price, which is higher the older you are when you buy.
How do my age and income affect my disability insurance?
Reviewed by Garrett Agencies Ltd., October 2026. How we write
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More about disability insurance
Replaces part of your income if illness or injury stops you working.
More questions about disability insurance
- Does the Canadian government offer disability coverage?
- What types of disabilities are covered by disability insurance?
- Do I need a medical exam for disability insurance?
- What are the differences between group and individual disability coverage?
- What happens to my disability insurance if I leave my job?
A question about your coverage? Ask us.
No obligation. We’ll tell you plainly what we think, including when you already have what you need.