Category: Disability Insurance

If you’ve been involved in an accident or diagnosed with a degenerative condition, you understand the financial impact a significant injury can have. Recovery can extend for months, years, or even become permanent; making your long-term disability (LTD) benefits essential to supporting you and your family. In this post, we will explore an important first […]

An insurer can challenge your long-term disability (LTD) claim, from claiming you haven’t provided sufficient medical documentation to refusing your claim outright. And if the company’s adjuster on your file is rude and unhelpful, it can just make the process that much more frustrating and overwhelming. If you believe your insurer is acting unfairly, it […]

If you’ve been unable to work due to a disabling medical condition and are receiving long-term disability (LTD) benefits, you should be aware of signs that they may be coming to an end. These benefits can be so important if you’re struggling with a disability as well as the challenge to meet financial needs, so […]

If you have an injury or illness and can’t perform your job for an extended period, Long-Term Disability (LTD) insurance provides you with a portion of your income to help cover living expenses. These benefits are typically paid monthly under an insurance policy, usually at least 60 percent of your base salary, up to a […]

In our previous post, we started looking at the “any occupation” test in long-term disability insurance and what it actually means.  Contrary to how it sounds, being disabled from working in “any occupation” doesn’t mean you’re incapable of doing any job. As we discussed, “any occupation” means any occupation that you’re reasonably suited to by […]

Under most disability insurance policies in Ontario, the test for whether you are eligible for benefits is whether you are totally disabled from doing your “own occupation” or “any occupation”. During the first two years of being on LTD, the test of whether you’re totally disabled is whether you can do the main duties of […]

In most cases, if you lose your job while you’re disabled and receiving LTD payments, you will keep receiving your payments. But there are a few additional things to keep in mind. In our last post, we talked about when an employer can terminate an employee who’s off on LTD. Here, we continue the theme […]

Can you be fired or let go from your job while you’re off on LTD in Ontario? It’s complicated. Employers know it will not look good if they fire someone who is sick, and it’s not something most will do lightly.  That said, there are circumstances in which an employer can terminate an employee who’s […]

In our last post, we talked about how important it is to be mindful of what you say when you’re in contact with your LTD case manager (also known as the claims specialist or claims manager). Being truthful, staying on-topic, and watching out for contradictions are all very important. In today’s post, we’re sharing some […]

People on LTD in Ontario are sometimes surprised to discover how much ongoing communication is required with their insurer. It’s important to understand why this communication is expected and how to best approach it. In the next two posts, we’ll share some important things to keep in mind about what, how, and when you communicate […]