Disability Insurance

Everything you wanted to know about Disability Insurance in Canada

Canadians plumbing mental-health lows still hesitant to seek help

Canadians plumbing mental-health lows still hesitant to seek help

Even as Canadians’ collective levels of depression decline to as low a point as they’ve ever been since the start of the pandemic, deep-seated fears are keeping them from openly talking about their struggles, according to new findings from Morneau Shepell.

In the latest edition of its monthly Mental Health Index report, the company found Canadians scoring negatively on mental health for the eleventh straight month in February.

With an index score of -11.5, last month marked a slight improvement from January’s -11.7 and matched May 2020’s record. But February’s lowest sub-score – depression, at -13.9 – was slightly lower than the previous month, and nearly identical to the record of -14.0 seen at the outset of the pandemic in April 2020.

“The extreme isolation and loneliness that we reported in recent months is having a direct impact on Canadians’ mental wellbeing, with many people feeling the same level of depression that was reported almost one year ago when it was at its lowest point,” said Stephen Liptrap, president and chief executive officer at Morneau Shepell. “Uncertainty about immunization timelines has left Canadians questioning when they will be able to return to the routines they had in place before the pandemic.”

In spite of continuing efforts to address the stigma attached to mental health issues, it’s still a taboo topic for many Canadians. Nearly half of Canadians (44%) shared a belief that they would have limited career options if their employer were to become aware that they had a mental health issue; within that group, 50% of managers expect their career would be affected should their employer become aware they had a mental health issue, in contrast to 39% of non-managers.

Carving the data by age, the results showed young Canadians reporting more concern about having fewer career options after they come out with their mental health struggles. Just over half (54%) of individuals aged 20 to 29 shared that fear, compared to around two fifths (38%) of those who were 60 and above.

When broken out by age, young Canadians reported being more concerned about limited career options after revealing they are struggling with a mental health issue than older demographics (54 per cent among individuals aged 20 to 29, improving with age to 38 per cent among those 60 and above).

Even with friends, Canadians were not comfortable bringing up the topic of mental health, as 37% of respondents shared a belief they’d be treated differently if their friends were to learn they had a mental-health issue.

The survey also found that to deal with the burden of stress and pandemic uncertainty, 14% of respondents increased their consumption of alcohol in the early stages of the pandemic from March to May last year; over half of respondents (52%) said they’ve maintained the same level of alcohol consumption in recent months from October until January when compared to early in the pandemic. Another 9% said they’ve consumed more alcohol from October 2020 to January 2021 relative to what they did early in the pandemic.

The respondents who said they increased their alcohol intake early in the pandemic also self-reported mental health scores of -20.7, the lowest of all survey groups. Those who do not drink reported mental health scores of -9.9, and those who dialled down their consumption had a score of -12.8.

Read the original article at https://www.lifehealthpro.ca/rss/

Ontarians' mental health spiralling amid COVID-19 crisis

Ontarians' mental health spiralling amid COVID-19 crisis

The COVID-19 pandemic has put enormous psychological strain on Canadians, and it’s pushing Ontarians to their mental breaking point as well.

According to the latest Pollara polling data commissioned by the Canadian Mental Health Association (CMHA) Ontario Division, just a third (35%) of roughly 1,000 Ontarians surveyed rated their current state ‘very good’ or ‘excellent’ in terms of mental health, a substantial decrease from the 52% reading from the first poll conducted last May.

Contributing to Ontarians’ dire psychological straits is a troubling pattern of loneliness, with more than half (57%) saying they’ve gotten lonelier since the pandemic began. Nearly half (47%) wished they had someone to talk to, and over a third (36%) said they were often, very often, or almost always lonely.

Continuing concerns about COVID-19 also appear to be a factor. More than four fifths (84%) said they are concerned about new strains of the virus, and nearly the same number expressed worries over people not physically distancing (81%) or not taking proper precautions (77%). Against that backdrop, a majority of respondents remain concerned that someone they know may catch the virus (78%) and that the pandemic is negatively impacting others’ mental health (79%).

The upshot has been climate of anxiety and stress across the province. More than one in three Ontarians (36%) said they’re suffering from high or very high stress levels, and nearly the same number (35%) were plagued by high or very high anxiety. One in six (17%) said they’re always or very often depressed, while more than one quarter of respondents (27%) said they’re increasingly turning to substances in an effort to cope.

The consensus view that the pandemic will leave Ontario in a serious mental health crisis has also gotten stronger, with four fifths (80%) of Ontarians holding that view now compared to just two thirds (66%) in August.

“When we decided to start surveying Ontarians a year ago, we were worried about the mental health fallout of the pandemic,” said CMHA Ontario CEO Camille Quenneville. “Now, the results of this latest poll show that people are having more trouble coping with the effects of the pandemic. The need for more supports has never been more clear.”

Read the original article at https://www.lifehealthpro.ca/rss/

Is Disability Insurance Important?

Is Disability Insurance Important?

Ottawa Disability Insurnce

We all know how important typical health insurance is, but did you know that disability insurance is just as important? In the event that you are hurt on the job, and cannot work, disability insurance will give you peace of mind-you will still able to provide for your family. While we would like to think that we always work safely, accidents do happen and you need to be sure that you have every angle covered in the event of an accident. If you become ill or injured on the job and as a result you are unable to return to work, there are a couple of options that will replace lost income. These types of disability insurance are not going to fully replace your income because they want you to have an incentive for returning back to work once you get well.


Workers Compensation benefits are paid to you when your disability is expected to last for at least 12 months. Most of the time this is when no gainful employment can occur and you must remain out of work for the entire duration of your leave. Employer-paid disability is required by all provinces. This type of disability insurance is deducted from your paycheck, and is there for you in the event of an accident. When you are looking at disability insurance policies, it is important to understand what they mean. While the two available policies are both for disability, they both cover a different amount of time you will be covered, and when you will start receiving your compensation.


A short-term disability policy means that you will be covered for no longer than 2 years. With this policy you may have to wait up to 30 days before you start receiving compensation. A long-term disability policy is a little different. The disability compensation will not kick in for several weeks, sometimes a couple of months. However, long-term disability will cover you for a longer period of time, and sometimes for the rest of your life.


Along with having the two different types of insurance policies, there are also two different protection features. Protection is offered to you to ensure that you are not going to be treated unfairly due to your inability to work. Non-cancelable means that for no reason other than not paying your premiums can your policy be canceled. With this type of policy you will lock in your premium and will not risk a decrease in the benefits. On the other hand, a guaranteed renewable policy means that the same benefits will be available every year. The only way that your premium will be increased is if every policyholder within the same rating class as yourself increases also.


While there are many options when choosing disability insurance as well, these are the most popular selections. It is important to discuss all available options when choosing a disability insurance policy to ensure that you know what you will receive in the event of an accident or illness. Research your options to find the best choice for you and your family.