Category: Disability Insurance

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 […]

In our last post, we began talking about what it means to remain “compliant” with your LTD insurance policy while receiving disability benefits. This is an important topic to understand because non-compliance is a common reason that insurers cut off recipients’ benefits. Discover the first two circumstances that may result in non-compliance here, and read […]

“Non-compliant.” If you’re receiving long-term disability benefits, that’s a phrase you do not want to hear. Insurers often cite non-compliance with the terms of the LTD policy as a reason to cut off your benefits. So what can you do to prevent being faced with an accusation of non-compliance? Let’s have a look at some […]

If you have long-term disability coverage through your employee benefits, then you may be wondering about what your privacy rights are when it comes to your health and medical condition. When you are off of work on LTD, you do not need to keep in touch with your employer or keep them up to date […]

After more than a year and a half of pandemic restrictions, the prospect of being able to travel safely is a welcome one for many in Ontario. Taking a vacation for rest and relaxation or travelling to visit loved ones is something that many have been dreaming of for months. People who are receiving LTD […]