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Plain answers for Ontario physicians and dentists, with the figures sourced and the trade-offs named. Reviewed and dated so you can see how current they are.
Dentist disability insurance: CDSPI or a private contract?
CDSPI DisabilityGuard is a guaranteed non-cancellable contract, not a thin group plan. What to compare against a private policy, and where overhead coverage fits.
6 min readIncorporationDentistry professional corporation in Ontario: when it is worth it
What RCDSO requires for a dentistry professional corporation, who can hold shares, what it costs, and how the associate and owner cases differ.
6 min readCorporate taxHow to take money out of your professional corporation
The six routes out of an Ontario professional corporation, what each one costs, and the order most physicians and dentists should use them in.
6 min readInsuranceOMA Insurance or private coverage: how to decide
What OPIP and OMA Insurance already give an Ontario physician, where the limits sit, and which gaps are worth filling with a private contract.
6 min readInsurancePhysician disability insurance in Canada: how much and what kind
What own-occupation means, how much coverage an Ontario physician needs, why guaranteed premiums matter, and where association coverage stops.
6 min readCorporate taxSalary or dividends for an incorporated physician in 2026?
Integration makes the tax cost of salary and dividends close. What separates them is RRSP room, CPP, HOOPP eligibility and the passive income grind.
7 min readIncorporationShould I incorporate as a physician in Ontario?
When a medicine professional corporation starts paying for itself in Ontario, what CPSO requires, who can hold shares, and the trade-offs the deferral argument leaves out.
7 min readCorporate taxThe $50,000 passive income rule and your small business limit
How passive investment income above $50,000 grinds a professional corporation's small business limit, what the grind really costs, and what to do about it.
6 min read