Canada disability insurance calculator
Canadian disability insurance (long-term disability) typically replaces 60–70% of your income if you can't work. How much you should target depends on whether benefits are taxable. Estimate your cover below.
Recommended benefit
$3,900.00/mo
Get your real quote
This is an estimate. For exact pricing, compare real quotes from licensed providers.
Tavenza is free and supported by advertising and affiliate partnerships. When you request a quote through a partner link we may earn a commission, at no cost to you. This never affects your price, and we are not an insurer and do not provide insurance or financial advice.
How this estimate is calculated
We multiply your gross monthly income by your chosen replacement ratio and subtract existing cover. Canadian long-term disability replaces ~60–70%; individual (employee-paid) benefits are tax-free, while employer-paid group benefits are taxable, so target a higher % if taxable. Benefits coordinate with CPP-D and other plans. Authoritative bodies: OSFI, FCAC, CLHIA.
See our full methodology for assumptions, limits and the 2026 data used.
Sources
- Financial Consumer Agency of Canada (FCAC) — Disability insurance (2026)
- CLHIA — A Guide to Disability Insurance (2026)
- Written by
- Colson — Founder & insurance-data researcher, ColsonSuperApps LLC
- Verified
- Every figure checked against its cited primary source
- Last updated
- June 13, 2026
- Standards
- Editorial policy
This is an estimate based on published average-rate data for informational purposes only — not a quote, and not insurance, legal or financial advice. Your actual price depends on the carrier and underwriting. Get a real quote for exact pricing.