The financial strain of a disability can be quite significant – 29% of respondents had to reach into their savings to pay for recovery and expenses, 17% incurred more debt, another 17% loaned money from family and friends, and 9% withdrew from their RRSPs. The situation is even worse for those without any insurance, where 60% of those surveyed reported that they were in ‘rough shape’ and ‘financially terrible’ while off work.