Understanding Long-Term Disability (LTD) coverage can be a confusing experience, particularly when your disability didn’t occur workplace. In this blog, we will discuss how you qualify for LTD benefits and provide clarity on frequently asked questions.

Qualifying for Long-Term Disability

Despite common misconceptions, LTD coverage from your employer is not solely dependent on workplace accidents. The primary purpose of LTD insurance is to substitute your income in case you are unable to work due to any form of injury or disability. The crucial element is your inability to perform the duties of your job.

Factors to Assess for LTD Eligibility

Various types of injuries or disabilities that prevent you from working are commonly covered in most LTD policies. However, certain policies may have limitations, excluding specific illnesses, while others may exclude conditions that could be compensated under a workplace compensation claim. It should be noted that the disability has to have taken place while your LTD insurance was active.

Level of Disability

In order to qualify for LTD benefits, it is required that you cannot perform either all or most of your current job responsibilities. Certain insurance policies use the term completely disabled, which emphasizes the inability to carry out regular job functions. However, this term does not imply you are unable to perform all aspects of your job but instead emphasizes the need for dedicated attention toward recovery. Certain policies may also require the inability to carry out any job that you are qualified for.

When to Apply

Applying for LTD benefits, requires you to be off work for several months, and is commonly referred to as the elimination or qualifying period. This period usually ranges from 90 to 180 days (3 to 6 months), as stated in your policy. This waiting period is crucial as it confirms that your injuries are genuinely long-term, rather than short-term that you may recover from within a few weeks.

Short-Term Disability and Other Options

In case you have to wait for your LTD benefits to start, you may access to Short-Term Disability coverage or receive Weekly Indemnity benefits, both of which typically require a shorter waiting period. If these options are unavailable, the Government of Canada offers sickness benefits, which can cover approximately 55% of your weekly income for up to 15 weeks.

Understanding the nuances of LTD eligibility beyond workplace injuries is crucial for anyone relying on these benefits. When a disability prevents you from working, it becomes crucial to delve into the details of your LTD policy. This is essential that you receive the support you need during difficult periods.

Ensure you are receiving the support your need, contact our law firm today to speak with one of our knowledgeable personal injury lawyers.