See how much monthly income a disability benefit would replace and how big the remaining gap would be.
Use this calculator to answer one question: if you could not work, how much of your monthly income would a disability benefit replace, and how much would be missing?
How to fill it in. Enter your monthly income, then the benefit percentage from your plan booklet or policy. Group long-term disability (LTD) plans commonly pay a percentage of gross salary, often between 60% and 70%, up to a monthly maximum. EI sickness benefits pay 55% of average insurable weekly earnings, capped at $729 a week in 2026. If you have other income that would carry on and that the plan does not deduct, such as rental income, add it in the last field.
Formula. Benefit = income x percentage / 100. Gap = income - benefit - other income.
Worked example (illustrative). Gross salary $6,000 a month, group LTD at 66.7%: benefit = $6,000 x 0.667 = $4,002. Gap = $6,000 - $4,002 = $1,998 a month before tax.
Limits. Compare like with like. If your employer paid the LTD premiums, the benefit is taxable, so compare it with gross income. If you paid all the premiums yourself, the benefit is tax-free, so compare it with your take-home pay instead. The calculator also ignores monthly maximums, offsets for CPP or QPP disability benefits and the waiting period. The disability income gap guide walks through those adjustments.
Coverage Types, Price Factors and 2026 Rules
CPP disability in 2026: severe and prolonged test, contribution rules, up to $1,741.20 a month, children's benefit, LTD offsets, and how Quebec's QPP disability pension differs.
Claim Disputes, Mistakes and Official Sources
How to challenge a refused CPP disability or EI sickness decision: reconsideration deadlines, the Social Security Tribunal, the new EI Board of Appeal, and Quebec's QPP review.
Worked Calculations and Buying Checklists
Worked Canadian example of a disability income gap: group LTD percentage and cap, tax on benefits, CPP offsets, the waiting period, inflation, and how to size a top-up.
Coverage Types, Price Factors and 2026 Rules
EI sickness benefits explained for 2026: who qualifies, the 600-hour rule, the one-week waiting period, the $729 weekly maximum, medical certificates and employer plans.
Worked Calculations and Buying Checklists
When group LTD and STD benefits are taxable in Canada, how employee contributions reduce the tax, employee-pay-all plans, group life taxable benefits and Quebec differences.
Coverage Types, Price Factors and 2026 Rules
How EI sickness, CPP/QPP disability, group LTD, term and permanent life, disability and critical illness insurance fit together in Canada, with 2026 figures.
