Critical Illness
You survive — but you can't work.
Treatment, recovery, and rehab take months. Bills don't pause for healing.
FSRA Licensed · Built for self-employed Ontarians
What Happens
If You Can't Work?
A practical guide for self-employed and small business owners in Ontario to protect income, health, and business continuity.
15 minutes No obligation Ontario licensed
If your income stopped tomorrow…
how long would you realistically last?
The Reality
When you work for yourself, the safety net is the one you build.
No sick pay
No employer benefits
Income depends on your ability to work
If income stops, everything feels it.
What If…
Four scenarios most people never plan for.
Disability
Three to six months off your feet.
An injury or illness keeps you out of work. Mortgage, rent, groceries — they keep going.
Family Impact
Expenses continue. Income doesn't.
Your family's life keeps moving. Childcare, school, food, the car — every line on your budget stays active.
Business Owner
A key employee goes down.
Production slows. Clients wait. Revenue drops while fixed costs stay exactly where they are.
Most people don't realize their exposure until they talk it through.
No pressure. Just clarity.
Canadian Dental Care Plan
The CDCP is a start — not a strategy.
The Canadian Dental Care Plan helps eligible Canadians access basic dental care. But it covers only one piece of your health picture.
What CDCP does not cover:
Drugs
Vision
Paramedical
Travel
The strategy: combine, don't replace.
Pair CDCP dental coverage with a private health plan that fills the gaps — drugs, vision, paramedical, and travel. You get broader protection without paying for what you already have.
Next step
Want help figuring out what actually makes sense for you?
Business Insurance
Four protections every owner should know.
Key Person Protection
If it goes wrong: If a critical team member can't work, revenue and operations stall.
How it helps: Provides cash to cover lost profits, recruitment, and transition costs.
Business Overhead Protection
If it goes wrong: If you're disabled, rent, payroll, and utilities don't stop.
How it helps: Reimburses fixed business expenses so the doors stay open while you recover.
Buy-Sell Planning
If it goes wrong: If a partner dies or leaves, ownership and control get messy fast.
How it helps: Funds a clean, pre-agreed transfer of shares — protecting both families and the business.
Owner Income Protection
If it goes wrong: Your paycheque depends on you being able to show up.
How it helps: Replaces a portion of your personal income if you can't work due to illness or injury.
Protecting your business starts with understanding your risks.
Health Plans
Two paths. Very different outcomes.
Option A
Guaranteed Acceptance
- No medical questions
- Easier approval — most people qualify
- Limited coverage caps
- Higher cost per dollar of benefit
Often Better Value
Option BCustomizable Plans
- Flexible coverage — pay for what you need
- Better value when you qualify medically
- Stronger paramedical, vision, and drug benefits
- Add-ons for travel and dental
Watch the waiting periods.
Most plans have a waiting period before certain benefits kick in. Some apply to dental work, others to major medical claims.
The worst time to learn about waiting periods is when you need the coverage.
Do you know where you're exposed?
Most people don't.
No pressure. Just clear, practical guidance based on your situation.