Since most workers have employer-sponsored disability coverage and are also eligible for CPP and worker's compensation, there is very little demand or need for individual disability insurance.

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While many workers may have access to employer-sponsored disability coverage and be eligible for CPP and worker's compensation, these benefits may not fully replace a worker's income or cover all potential disabling conditions. Individual disability insurance can provide additional coverage and financial protection in the event of a disability. Additionally, self-employed individuals and those who do not have access to employer-sponsored coverage may have a greater need for individual disability insurance.

Since Most Workers Have Employer-Sponsored Disability Coverage and Are Also