It's also not really helpful to a lot of people. If you get disabled later in life, you probably have a TFSA and RRSP. Those are non exempt assets, so if you have over $100,000 it counts against your benefits. And if you can work some amount, the help of the program is going to be reduced. So you burn through your retirement savings you may reasonably think you will have to cover the increased costs of aging while disabled, and then become dependent on the government for the rest of your life. They essentially are demanding the disabled live in poverty.
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