Disability and the woes that come with it can be traumatizing to not only the victims but to those around them as well. Of course, the most affected are their dependents. Good health can be lost in no time. The prudent see danger and take cover before it haunts them. We are all potential victims of disability.

If you are not a statistic, I am sure you know someone around you who may be disabled. You don’t have to wait. Wisdom demands you take cover before danger strikes, and you can help someone close to you do the same. The legally acceptable time to take a disability policy is before it occurs. This allows it time to mature. Disability is anything that affects your ability to maximize your potential.

If you live in Ontario, the following are the different types of disability covered by insurance:

1. Physical Disability

Physical disability is one of the most common types of disabilities. This could be either acquired or inherent. All types of injuries that occur at the workplace or elsewhere are covered by insurance. Some injuries result in permanent disability while others are short-term.

Your inability to see, hear, walk, drive etc., is a setback you must not suffer without remedy or compensation. There are insurance providers near you that can subrogate your loss or that of your loved ones.

2. Mental Disability

Your psychological health is as important as your physical health. It affects and limits your productivity. All mental sicknesses are legally and medically classified as mental disabilities. Depression is a a type of mental disability. Insurers are taking up mental cases as insurable disabilities. Your loved ones are entitled to protection. You can help them get compensation for their injuries.

3. Sickness

Every time sickness sets in, your potential to work and provide for your loved ones is highly compromised. The federal government has identified sickness as a disability that must be guarded against for social security to be celebrated by all.

You need to insure yourself and your loved ones against this type of disability. Aggressive sicknesses have left many bed-ridden and without income. Luckily, there is an insurance provider in Ontario ready to serve you.

4. Quarantine

Did you know one can be quarantined if they have a highly communicable disease that has no cure? In the event that you suffer from such a communicable disease, the obvious public health reaction is to quarantine.

However, should you get quarantined, the law views you as a disabled individual deserving compensation. Although such cases are not common, one can be quarantined passively by natural causes such as the weather. The aim is to get you covered against losses that would affect your normal flow of life.

5. Emotional Disability

This expresses itself in the form of mood disorders. When your emotions are unhealthy, you become unstable. You experience mood swings that range from depression lows to manic highs. Psychologists have classified this as a form of emotional disability.

You need to insure yourself and your loved ones against emotional disability. There are a number of reputable insurers in Ontario who are more than ready to provide you with emotional disability insurance.

6. Incapacitation

This type of disability limits your ability to work. Its causes include sickness, bodily harm, mental ailment, or a combination of these. When you are incapacitated, your potential and productivity are affected.

Your loved ones bear the heavy load of having to meet your basic needs from their personal incomes. Luckily, there is nothing to be concerned about since incapacitation falls under the category of insurable disabilities. The beauty of it is that disability is not inability. You have the ability to take charge of your choices and destiny.

7. Death

This may appear misplaced here, but come to think of it, the death of a breadwinner affects the potential of their family in many ways. While the benefit does not go to the insured during their lifetime, the life policy protects dependents against losses incurred as a result of the demise of a loved one.

The inability to live is altogether a disability to the living dependents who may find it a challenge to sustain a certain threshold of living standards. It’s important to insure loved ones against potential disabilities caused by the death of a breadwinner.

Truth be told, disability is both a social issue as well as an economic one. The society is affected by this problem to the extent that any of us could be the next victim. You are affected by inability either directly or indirectly.

Living in a major city like Toronto, you need to get yourself covered against any form of inability recognized by the law. While not all insurance providers cover all forms of inability, you will find one that answers to your need. At the end of the day, knowing your rights and the types of insurable disabilities in Ontario could be a lifesaver, literally.