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This article was last updated: Oct. 9th, 2026

Passengers can suffer serious injuries in a car accident even though they had no control over the crash.

You may have been riding with a friend, family member, co-worker, taxi driver, or rideshare driver. You may feel uncomfortable making a claim, especially if the driver was someone you know.

However...

This article was last updated: Oct. 9th, 2026

Is There a List of Disabilities That Qualify for LTD?

Many people want to know if there is an official list of disabilities that qualify for Long-Term Disability (LTD) benefits in Canada.

The answer is no.

There is no government or insurance company list that automatically qualifies s...

This article was updated: Oct. 9th, 2026

Is Chronic Pain a Disability in Canada?

Yes. Chronic pain can be considered a disability in Canada.

Many people think they need a broken bone or a serious injury to qualify for Long-Term Disability (LTD) benefits. That is not true. Chronic pain itself can become a disability if it prevents you from working or car...

This article was last updated: Oct. 9th, 2026

When an illness or injury prevents you from working, disability benefits may help replace some of your lost income. Two common sources of disability income in Canada are Canada Pension Plan Disability benefits and long-term disability insurance.

Canada Pension Plan Disability is often called CPP Disability, ...

This article was updated: Oct. 9th 2026

A serious illness or injury can prevent you from working for months or even years. Long-term disability insurance can replace part of your lost income during that time.

A common question is whether long-term disability benefits are taxable in Canada.

The answer usually depends on who paid the insurance prem...