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Van Dyke Injury Law Blog

September 9, 2022

What Does “Any Occupation” in LTD Really Mean? (Part 2)

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 […]

August 26, 2022

What Does “Any Occupation” in LTD Really Mean? (Part 1)

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 […]

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