Let’s talk about the harsh truth nobody puts on an inspirational mug: If you’re self-employed or own a business, when you stop working… the money often stops too. No boss is sending you paid sick days. No HR department is handing you a fruit basket and short-term disability forms. No magical cheque appears because you “really need a break.” It’s just you, your body, your skills, and a pile of bills that somehow never miss a payment. Business Owners Are Built Different… But St

introduction What would actually happen if you couldn’t work for the next 6 months? Not a vacation. Not time off. We’re talking about an injury, unexpected accident, or situation where income suddenly stops. For most Canadian families, this isn’t something they’ve fully thought through—until it happens. And when it does, the financial impact hits fast. The Reality: Bills Don’t Stop When Income Does Let’s break this down simply. If you’re off work, your income may drop—or disa