There are three types of disability insurance coverage: 1. Government Plans - which include the Canada Pension Plan (CPP), employment insurance, and Worker’s Compensation (WSIB). 2. 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. 3. 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.