Critical Illness Insurance Calculator

Estimate how much critical illness insurance you need beyond CPP disability and group plan benefits to protect your income and finances.

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Critical illness insurance pays a tax-free lump sum on diagnosis of a covered condition. Canadian group plans often include limited CI benefit. CPP disability (max ~$1,673/month in 2025) has a strict definition and 4-month waiting period. Provincial health covers core treatment, but out-of-pocket costs for drugs, private care, and travel can be significant. Premiums depend on age, smoker status, and health. Consult a licensed life and health advisor.