A safe workplace does not remove illness or injury outside of work
Disability contracts can cover illness as well as injury. Office professionals can still lose working capacity through mental health conditions (25%), cancer (19% of disability claims), cardiovascular conditions (5%) or a musculoskeletal injury or condition (42%) outside work. These figures reflect Canada Life’s active individual disability insurance claims in 2020.
The practical question is not whether the desk is dangerous. It is how long your finances could continue if your ability to work changed.
An interruption in income could change your housing, debt or family plans
Disability insurance is more relevant when your income would be difficult to replace and a long interruption would affect major financial commitments.
A household with substantial liquid assets, low fixed costs, strong employer coverage or another reliable income may be able to retain more of that risk.
Official sources
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