Without knowing the future, we make plans with our families, friends and colleagues. However, we do not have the certainty that we will be able to execute those plans because death or an accident can arrive without any warning. It is a reality. After an accident, if you have become disabled (partial or total disability), you suffer mentally, physically, and financially. The situation gets worse if you were the only earning person in your family. It is when disability insurance in Ontario plays a crucial role.