Living Benefits
Seventeen articles on critical illness, disability, and long-term care insurance — coverage that pays while you're still here, not just at death.
How Much Disability Insurance Do You Need in Canada?
A plain-language Canadian guide to how much disability insurance you need — why it replaces only part of your income, the tax wrinkle, and how to size coverage the right way.
Are Living Benefits Taxable in Canada? What to Understand
A plain-language Canadian guide to how living-benefit payouts are taxed — critical illness, disability, and long-term care — and why who pays the premium often decides the answer.
Critical Illness Insurance for Children in Canada: What to Know
How critical illness insurance for children works in Canada, what it covers, how it differs from adult coverage, and the honest considerations for families weighing it.
Critical Illness Insurance: What Conditions Are Covered in Canada
A plain-language Canadian guide to what critical illness insurance covers — the core conditions, the expanded list, how definitions decide a claim, and how a claim works.
Critical Illness vs Life Insurance in Canada: Two Different Jobs
A plain-language Canadian guide to critical illness vs life insurance — the different jobs each one does, the gap each leaves, and how to decide whether you need both.
Disability Insurance for the Self-Employed and Business Owners in Canada
A plain-language Canadian guide to disability insurance for the self-employed and business owners — the safety nets you don't have, why your income is harder to replace, and what protects it.
Home Care vs Facility Care in Canada: Understanding the Settings
Home care, retirement residences, and long-term care facilities are different settings with different costs and coverage in Canada. Here's how they compare.
How Disability Insurance Claims Work in Canada
A plain-language Canadian guide to how a disability insurance claim works — the role of the definition, the waiting period, the medical evidence, how claims are assessed, and how to prepare.
How to Pay for Long-Term Care in Canada
A plain-language Canadian guide to paying for long-term care — self-funding, government programs, home equity, family care, and long-term care insurance, each with its honest trade-offs.
Is Critical Illness Insurance Worth It in Canada?
A balanced Canadian guide to deciding whether critical illness insurance is worth it for you — the honest case for and against, the overlap with coverage you may already have, and the questions that decide it.
Mortgage Disability Insurance vs a Personal Policy in Canada
How mortgage and creditor disability insurance compares with a personal disability insurance policy in Canada — how each works, and the honest trade-offs to weigh.
Partial and Early Payout Benefits on Critical Illness Insurance
How partial and early-stage payout benefits work on critical illness insurance in Canada — what they cover, how they affect the main benefit, and what to check.
Return of Premium on Critical Illness Insurance in Canada
What a return-of-premium feature on critical illness insurance actually does in Canada, how it works, what it costs, and the honest trade-offs to weigh before adding it.
Short-Term vs Long-Term Disability Insurance in Canada: How They Work Together
A plain-language Canadian guide to short-term vs long-term disability insurance — the different jobs each does, waiting and benefit periods, and how they work together.
The CPP Disability Benefit: What It Does and Doesn't Cover
A plain-language Canadian guide to the CPP disability benefit (and Quebec's QPP equivalent) — who may qualify, how strict the definition is, and why it rarely replaces a full income on its own.
The Cost of Long-Term Care in Canada: What Every Family Should Understand
A plain-language Canadian guide to the real cost of long-term care — the financial toll, why public health care doesn't fill the gap, and the cost that falls on family.
When to Buy Long-Term Care Insurance in Canada
A plain-language Canadian guide to when to buy long-term care insurance — why timing matters, how insurability works, and who should be thinking about it.