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What’s the Average Waiting Period for LTD in Canada?
The average waiting period for long term disability is usually 90 to 180 days (3-6 months), depending on your disability insurance policy and employer plan. Some plans can be shorter or longer. Check your policy for specific details.
Most employer-based and private disability insurance plans require you to wait a minimum of three months before benefits begin.
Some plans have longer or shorter periods (e.g., 60, 120, or 180 days).
Short term disability benefits, sick leave, or EI may provide income during this waiting period, but they are separate from long term disability insurance.
What Is a Long Term Disability Waiting Period?
The average waiting period for long term disability—sometimes called the "elimination period"—is the amount of time you must wait after your injury or illness before your long term disability benefits can begin. This period typically starts from your last day actively at work, or from when your doctor confirms you are medically unable to continue working.
What Happens During the Waiting Period?
During your long term disability waiting period, you must show that your medical condition prevents you from working and will likely do so for many months or longer. Here's what usually happens:
You provide supporting documents, such as medical reports, work absence records, and any information requested by your disability insurance provider.
Many people rely on short term disability, sick leave, or employment insurance (EI) benefits to replace income while waiting.
Insurance companies often use this period to review your claim and may contact your healthcare providers for more details.
Does the Waiting Period Affect When You Should Apply?
Apply for disability benefits as soon as possible. Don’t wait until the end of your average waiting period for long term disability—the process can take time.
Start your claim immediately after your doctor says you cannot work.
You can apply even while receiving short term disability or sick leave.
Delays in starting your claim can mean delays in receiving benefits.
Can You Get Denied During the Waiting Period?
Yes, it's possible for your long term disability claim to be denied during or after the waiting period. Common reasons include:
Lack of sufficient medical evidence.
Not meeting the policy’s definition of disability.
Missed deadlines or incomplete forms.
If your claim is denied:
Remember, our disability lawyers do not recommend appealing a denied claim.
Reach out for legal support to discuss your next steps.
What If You’re Still Waiting After the Elimination Period?
If the waiting period for long term disability ends and you still haven’t received a decision:
Contact your insurer for updates.
Prepare to share more medical evidence if required.
If your claim is approved, benefits should be retroactive to the day the elimination period ended.
If delayed or denied, speak with a disability lawyer for guidance instead of appealing.
Ravi’s Story: Navigating the LTD Waiting Period
Ravi, age 37, has worked as an automotive technician in Edmonton for more than a decade. A few years ago, Ravi developed a rare neurological condition that caused numbness and weakness in his hands, making it impossible for him to safely do his job.
After discussing his situation with his doctor, Ravi was advised to stop working immediately. He was worried about how his family would manage without his income. Fortunately, his employer provided a long term disability insurance plan.
Ravi promptly gathered all his medical reports, filled out the necessary forms, and submitted his long term disability claim as soon as he left work. He discovered his policy had a 120-day waiting period before long term disability benefits could begin. During those months, Ravi relied on paid sick leave and short term disability payments, but he still felt anxious as bills began to add up.
Throughout the waiting period, Ravi stayed in close contact with his disability insurance provider, quickly responding to requests for more medical evidence and providing updated doctor’s notes as needed. The process was stressful, but Ravi remained proactive and organized.
Just after the elimination period ended, Ravi received the news that his long term disability benefits were approved and would start soon. He was relieved that he didn’t have to worry about a denial or appeal. Looking back, Ravi says being persistent and prepared made all the difference.
Ravi’s advice for others:
Ask questions about your policy right away.
Keep copies of all paperwork and medical documents.
Communicate regularly with your insurer.
If you get overwhelmed, consider speaking to a disability lawyer for support.
Ravi’s preparedness helped him navigate the average waiting period for long term disability, ensuring that his claim progressed smoothly and his financial security was protected.
Tips for Navigating the LTD Waiting Period
Checklist: How to Manage Your LTD Waiting Period
Check your policy: Find out your average waiting period and requirements for your long term disability claim.
Gather medical evidence: Get detailed notes from your doctor and any specialists to support your disability insurance claim.
Apply early: Start your application as soon as you stop working, even if you’re receiving other benefits.
Stay in touch: Regularly contact your insurer for updates and requests for information.
Budget wisely: Plan for possible income gaps during the elimination period.
Seek support: If the process is overwhelming, consider speaking with a disability lawyer for advice.
When to Contact a Disability Lawyer
Consider reaching out for legal support if:
Your disability insurance claim is denied during or after the waiting period.
Your insurer is slow to make a decision, or asks for endless paperwork.
You’re confused about your policy’s terms or your next steps.
Summary
The average waiting period for long term disability benefits in Canada is usually 90 to 180 days, depending on your employer-based or private disability insurance policy. Apply early, gather strong medical evidence, and understand your policy’s terms. If you face delays or denials, expert legal support is available. Remember: Knowledge, preparation, and timely action are your best protections.
Contact Share Lawyers today and let our experience work for you. Our 35+ years of experience can help you win your case against Canada Life, Desjardins, Manulife, RBC Insurance, Sun Life, and other insurance companies. Our legal team offers a free consultation and works on a contingency basis—there are no fees unless you win your case.
