(i) Workplace Benefits
The first source you may have at your disposal is workplace benefits. You will have to use these before being eligible for benefits from another source. These may include sick days, vacation days and any short-term disability plan, as well as any private medical plan that will cover the cost of medications, rehabilitation at medical clinics and other medical expenses.
(ii) EI Sickness Benefits
You may qualify for Employment Insurance or Sickness Benefits through the Government of Canada. These can provide you with up to 15 weeks of benefits that usually provide up to 55% of your weekly income.
(iii) LTD Insurance Benefits
You may be eligible to make a claim for long-term disability benefits if you are insured under a long-term disability insurance policy. People sometimes buy these policies directly from a broker, while others have it as a part of their workplace benefits. LTD insurance helps replace lost income if you cannot work. There are deadlines that limit the time you have to apply; if you have LTD coverage, look into it as soon as possible.
(iv) Motor vehicle insurance
If you are involved in a motor vehicle accident, you would have access to benefits through your own insurance company (known as Section B benefits).