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Disability insurance is not tax deductible in Canada when you pay the premiums personally. If your employer pays the premiums, any future disability benefits may be taxable. Understanding the tax treatment upfront can help you avoid costly surprises down the road. Key takeaways: Disability insurance premiums are generally not tax-deductible for [...]
If you've ever glanced at your pay stub and wondered what "LTD" stands for, you're not alone. LTD refers to Long-Term Disability insurance, and it shows up as a deduction on your paycheck when your employer offers this benefit. This line item can catch people off guard, especially if they haven’t [...]
If you're wondering whether your health qualifies for disability benefits in Canada, the short answer is this: any condition, physical or mental, that significantly restricts your daily life and ability to work may qualify, provided you can prove it with clear medical evidence. Now, the longer answer? It depends on several [...]
If you live in Ontario and you’re wondering whether your condition qualifies for disability benefits in Canada, yes, there are specific rules, then the process isn’t always as black and white as it seems. The goal of this guide is to break that down into something clearer, more practical. Not just [...]
A Retirement Strategy You Haven’t Considered—But Should Ok, let’s talk about a retirement funding option that is usually not talked about but could be your secret weapon for retirement planning: an Insured Retirement Plan (IRP) through a participating life insurance policy. Now, I know what you’re thinking: “Life insurance? Don’t you need [...]
If you're a resident of Ontario, you probably know that we have a pretty comprehensive healthcare system provided by the government. The Ontario Health Insurance Plan (OHIP) covers doctor visits, hospital stays, and many other medical services that many people around the world would love to have. But here's the problem: when [...]
Desjardins Financial Security Independent Network – Toronto
West
Proudly Serving businesses and communities in Toronto and west of the City, including Etobicoke, York, North York, Old Toronto, Mississauga, Brampton, Oakville and the entire Niagara Golden Horseshoe region.
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Etobicoke,Ontario
M9W 5Z8
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