Category: Blog

If you’ve ever taken a close look at your LTD policy, you may have seen references to “recurrent disability.” What does that mean? Let’s review some background information first. When you apply for LTD benefits, there will be a waiting period between the time when you became disabled and unable to work, to the time […]

Why have my benefits been clawed back? This is a common question from LTD benefit recipients in Ontario. Your LTD policy will almost certainly require you to disclose other income you earn while receiving disability benefits, because they are allowed to deduct those amounts from their payments to you. The insurer wants to pay as […]

One question that people who are receiving disability benefits often ask is “can I volunteer while I’m on LTD?” At any stage of life, the benefits of volunteering can be great. Volunteering can improve both mental and physical health, reduce stress, and lessen depression. And across Ontario, countless organizations accomplish vitally important work thanks to […]

While you’re receiving LTD benefits, you have various responsibilities. We’ve talked about two of them already: trying your best to recover, and participating in return to work programs. Today we’re going to talk about what’s required of you in terms of ongoing communication with the insurer. As always, every policy is different, so these are […]

If you’re receiving LTD benefits in Ontario, you want to do everything you can to make sure you continue getting those payments. In a previous post, we looked at five reasons that insurers cut off benefits; in today’s, we’re looking at one of the most important responsibilities you have when you are a recipient of […]

Whether you’ve been on LTD for a couple of months or a couple of years, it’s likely only a matter of time before your insurer tells you it’s time to start planning for your return to work. While receiving LTD benefits, participating in a return to work program as requested by the insurer is one […]

When it comes to taxes, things are rarely simple and straightforward–and that’s certainly the case with the taxation of disability benefits. Here are some general guidelines. As always, your individual circumstances may vary; it’s important to consult with a lawyer and/or tax professional. Are LTD Benefits taxable? That depends on who pays the premiums. If […]

Have you been denied LTD benefits? Or had them cut off? When claimants meet the policy definition of disability, yet continue to be denied benefits, one option is to pursue an insurance settlement. In today’s post, we will explain the two main types of LTD insurance settlements. Reinstatement This type of settlement is basically what […]

You’ve successfully applied for long-term disability and have started receiving benefits. The hard part is over, right? Maybe not. Remember: insurers look for any reason to pay as little as possible; they have a vested interest in making sure you are still entitled to those benefits long after the initial approval. In today’s post we […]

Do you feel overwhelmed or confused when talking about disability insurance? If so, you are not alone. Discussing disability insurance can feel like a whole other language. In today’s post, we will go over some common terms related to LTD and other disability insurance, to help you get a better grasp on them. Waiting Period […]