Draft — pending advisor review
Sources and Evidence
Where our numbers come from. If we cite a figure and you want to check it, this is the list.
- Plain language.
- Your plan wording.
- Clear next steps.
Published sources
Canadian Life and Health Insurance Association
CLHIACanadian Life and Health Insurance Facts — disability statistics.
The standard industry reference for Canadian disability incidence and benefits data.
Statistics Canada
Work absence rates and the Labour Force Survey.
The authoritative source for absence and labour market context.
Financial Services Regulatory Authority of Ontario
FSRALife and health insurance conduct of business guidance.
The conduct standard Ontario licensed advisers operate under.
HUB International
Canada Employee Benefits Outlook.
Annual market outlook on benefits cost and design trends.