How much is CPP Disability in 2026?

The basic amount is $610.46/month, the average for new beneficiaries is $1,234.68/month, and the maximum is $1,741.20/month, plus a $307.81/month children's benefit. It requires enough contributions and a severe, prolonged disability.

How much does EI sickness pay?

55% of your insurable earnings, up to maximum insurable earnings of $68,900 — a maximum of $729/week — for up to 26 weeks.

Is my life insurance protected if the insurer fails?

Yes, within limits. Assuris guarantees the greater of $1,000,000 or 90% of your death benefit and transfers your policy to a solvent insurer. See what happens if your insurer fails.

How often do these numbers change?

Most update annually as the government re-indexes them. We re-verify each figure against its source and stamp the date; this post is refreshed every year.

July 13, 2026

The 2026 insurance numbers every Canadian should know

CPP Disability, EI sickness, Assuris and PACICC limits — the current figures, sourced and dated.

If you can't work — CPP Disability (2026)

A floor, not income replacement: it requires enough contributions and a severe, prolonged disability, and most group LTD plans offset it.

Figure	Amount
Basic monthly amount	$610.46
Average for new beneficiaries	$1,234.68
Maximum monthly	$1,741.20
Children's benefit	$307.81

Short-term illness — EI sickness (2026)

A bridge, not a plan.

Figure	Amount
Replacement rate	55% of insurable earnings
Maximum insurable earnings	$68,900
Maximum weekly benefit	$729
Maximum duration	26 weeks

If someone dies — CPP death & survivor

Modest against a household's real needs — which is what life insurance is for.

Figure	Amount
One-time death benefit	$2,500
Survivor pension, age 65+	60% of the deceased's retirement pension
Survivor pension, under 65	A flat amount plus 37.5%

If your life insurer fails — Assuris

Your coverage transfers to a solvent insurer, guaranteed to at least:

Coverage	Guarantee (greater of the amount or 90%)
Death benefit	$1,000,000
Health expenses	$250,000
Monthly income (annuity/DI)	$5,000/month
Cash / segregated-fund value	$100,000

If your home/auto insurer fails — PACICC

Protection	Limit
Personal property claims	$500,000
Other covered lines	$400,000
Unearned premium refund	70%, to a $1,750 maximum

Why keep these on hand?

Because they're the assumptions behind every "how much do I need" decision — and because they change. We track them in a versioned file with a source and a date on every figure, re-stamp them when they update, and explain the process in our methodology. Bookmark this post; we refresh it each year.

Frequently asked questions

How much is CPP Disability in 2026?: The basic amount is $610.46/month, the average for new beneficiaries is $1,234.68/month, and the maximum is $1,741.20/month, plus a $307.81/month children's benefit. It requires enough contributions and a severe, prolonged disability.
How much does EI sickness pay?: 55% of your insurable earnings, up to maximum insurable earnings of $68,900 — a maximum of $729/week — for up to 26 weeks.
Is my life insurance protected if the insurer fails?: Yes, within limits. Assuris guarantees the greater of $1,000,000 or 90% of your death benefit and transfers your policy to a solvent insurer. See what happens if your insurer fails.
How often do these numbers change?: Most update annually as the government re-indexes them. We re-verify each figure against its source and stamp the date; this post is refreshed every year.

Sources

All figures verified July 2026 against the cited sources. Educational only — not insurance advice.

Educational only — not insurance advice, and no products are sold here. Government figures verified July 2026 against their cited sources. Robert is a mascot, not a licensed advisor. See our disclaimer.

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