There is a plan called Edge Insurance with different options.

For example, before my husband and I got permanent residency my husband took this insurance. I could have taken it also but chose not to at this time but it was worth it then as my husband wasnt eligible for EI so you can imagine what a mess we would have been in if he'd had an accident and not been able to work. This is not for illness though just for accidents. You can take it out for workplace only or work and personal life so the premium can vary. So if you pull your back out lifting children or any kind of accident you can imagine then you would be covered. 2 options avaible beyond the work/home life options. 1 is 30 day waiting period before you can get income replaced but this goes on till the age of 70. 2nd option is called 0-5 so 0 waiting period paid out for a maximum of 5 years. When getting a quote you decide how much coverage. Its entirely up to you so no 55% or 80% income. If you make $3000 a month and want to pay a premium to replace all of it, a little less or a little more then its your choice.

I think this is a great option. While it may not be ideal for all, I know for us it was huge piece of mind. Feel free to send me a message for the company details