Can my Long-Term Disability benefits be reduced by other income sources?

Yes. LTD benefits can be reduced by offsets such as Canada Pension Plan (CPP) payments, WSIB benefits, government plans, severance payments, and other similar sources.

Is it legal for insurance companies to use surveillance during my Long-Term Disability claim?

Yes. Insurance companies can legally conduct surveillance in public places during an LTD claim, but not in private spaces.

How long do I have to file a lawsuit if my Long-Term Disability claim is denied?

You generally have two years from the date of the denial, or reduction of benefits, to file a lawsuit against the insurance company.

Will I have to pay taxes on my Long-Term Disability benefits?

LTD benefits are usually taxable if paid by an employer. However, if the premiums were paid personally, the benefits are generally not taxable. It is best to consult a lawyer for advice specific to your case.

Long-Term Disability

Q: What is Long-Term Disability insurance?

Long-term disability insurance provides income replacement to individuals unable to work due to disability, serious illness, or injury. It covers conditions both on and off the job, typically lasting over six months, and requires either employer-provided or private coverage.

Q: How do I know if I have Long-Term Disability coverage?

Some employers offer LTD insurance as a group benefit, but in Ontario it is optional. Alternatively, individuals can purchase private disability policies, which are transferable throughout a career.

Q: What types of disabilities qualify for Long-Term Disability benefits?

Long-term disabilities typically last over six months. LTD coverage usually requires that an employee be unable to perform their own occupation or be totally disabled. Examples include brain injuries, chronic illnesses, cancer, chronic pain, neurological conditions, and psychological injuries.

Q: How much of my income will Long-Term Disability benefits replace?

Most LTD plans replace 60–80% of base salary, up to a maximum annual amount, but do not cover an individual’s full income.

Q: How long can I receive Long-Term Disability benefits?

LTD benefits can continue until the person is able to return to work or until the policy coverage ends, usually at age 65.

Q: What should I do if my Long-Term Disability claim is denied?

If your claim is denied, you should contact a Long-Term Disability lawyer to support your case. Having the right lawyer can significantly improve the outcome of your claim.

+ What is Long-Term Disability insurance?

Long-term disability insurance is a type of insurance coverage that provides income replacement to individuals who are unable to work due to disability, serious illness, injury. LTD Insurance covers disabilities that occurred both during and off the course of the employment. LTD insurance is for disabilities that generally lasts for over six months. In order to have access to this benefit, one has to have coverage either though their employer or privately.

+ How do I know if I have Long-Term Disability coverage?

Some employers offer LTD insurance to their employees as a “group benefit”. In Ontario, it is optional and not required for employers to offer their employees LTD coverage. You can also opt for an individual disability policy, which can be transferred throughout your career.

+ What types of disabilities qualify for Long-Term Disability benefits?

Long-term disabilities are those that generally last longer than six months. LTD coverage generally has a requirement that the employee has to be disabled from performing their “own occupation” or be “totally disabled” to be eligible to receive LTD benefits. Some examples of “total disability” include: brain injuries, chronic illnesses, cancer, chronic pain, neurological illnesses, and psychological injuries.

+ How much of my income will Long-Term Disability benefits replace?

Most long-term disability insurance plans do not pay an individual’s full income. LTD plans cover a percentage (typically 60-80%) of base salary up to a maximum annual salary.

+ How long can I receive Long-Term Disability benefits?

Long-Term Disability benefits can be received until an individual is well enough to return to work, or until the coverage period ends, usually at the age of 65.

+ What should I do if my Long-Term Disability claim is denied?

If your Long-Term Disability claim is denied, you should contact a Long-Term Disability Lawyer, who can support your claim at every stage. Hiring the right lawyer significantly impacts the outcome of your claim.

Long-Term Disability

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