There are three types of disability insurance coverage:
Government Plans – which include the Canada Pension Plan (CPP), employment insurance, and Worker’s Compensation (WSIB).
Group Benefit Plans – which are available through an employer or an association. Group plans offer more limited disability protection but at a lower cost to the insured and employer.
Individual Long-Term Disability Policies – available directly from an insurance company or broker, on a client by client basis. They offer the most extensive protection but at higher cost to the insured.