We don't have good estimates in Canada about the costs to the system, but what we know from other countries is that they cost the system a lot, huge amounts of disability payments.
If you look at disability claims, the most common reason for disability claims is depression. This is where the fractionation and the fragmentation of the system is. People often suffer, they are off on disability, they don't have timely access to psychological treatment and medical treatment, they fear going back to work because they might have difficulties performing, and then they are on disability and can't get back to work.