Disability coverage gap
See how much you'd be short each month if you couldn't work. We start from your monthly spending; if you leave it blank we use two thirds of income.
Illustration only. Figures use Ontario 2026 rates; see assumptions.
We start from your monthly spending; if you leave it blank we use two thirds of income.
Monthly coverage gap
$9,325
22% covered
- Target: Monthly income $12,000
- Covered: Monthly income $2,675
On these numbers, you'd be short about $9,325 a month if you couldn't work.
Assumptions
- The target is your monthly spending, which is how these articles and the advisors size disability coverage — what the household has to keep paying, not what you bill.
- Assumes an own-occupation disability definition; a non-own-occupation or any-occupation policy may pay less, or not at all, in a real claim.
- Association/group plan coverage is often non-guaranteed and can be reduced or lost if the plan changes or membership lapses — treat it as a floor, not a plan.
- The target is capped at $25,000 a month, standing in for a typical carrier issue limit. The cap is illustrative and no source is claimed for it; confirm the real limit against the contract.
- Occupation class (physician) affects real-world policy definitions and premiums; confirm against the actual contract.