How Long Do Long Term Disability Benefits Last?

The Canadian Life and Health Insurance Association (CLHIA) outlines disability insurance as a type of coverage that provides protection against the chance of losing income if you become disabled and are not able to pay your expenses. They can typically replace up to a specified portion of your regular income. However, many people are unsure of how long long-term disability benefits can last. Long-term disability benefits usually commence after the expiry of a waiting or qualifying period - often between four and six months in length. The period that long-term disability benefits are available will depend on the applicable insurance policy or plan that applies to you. Checking the specifics of your long-term disability insurance should give you the particulars of the length of your coverage.


The CLHIA has general guidelines for understanding long-term disability benefits, which include that LTD benefits are usually paid for up to two years if you are unable to perform your regular occupation and potentially, to age 65 if you're not able to work in any occupation. There are plans available that last beyond age 65, with a percentage paid up to age 65 and a lesser amount paid for the next five or ten years of life. To be sure about the limits of your policy, you will need to read it over for the specifics. Most policies will have a rehabilitation clause that is designed to ease you back into working. In most cases, you are required to participate in program that are appropriate to aid in your recovery. After the two year period, if you are unable to return to your original occupancy, insurance providers will attempt to help you transition to work in a new role - whatever you can manage. After that period of time, you may have to be disabled from performing any occupation for the benefits to continue - meaning that you must be unable to perform the tasks required by any occupation that you may be reasonably qualified for, or could become qualified for, in order to retain LTD benefits.


The deadlines that apply to long-term disability benefits, including transition from short-term disability status, are very important, and can derail your claim if they are not met. Waiting periods that are outlined by the insurance providers must be adhered to. Knowing these deadlines, and what is required to meet them is very important. All these details are outlined in your policy, and you should familiarize yourself with them to ensure that you are prepared to comply. Length of payment for long-term disability benefits can vary from plan to plan, and will adhere to specifics as outlined by your insurance provider in the applicable policy. Knowledge of these specifics, paired with an overview of your current financial and health status, will give you the clearest picture of what is possible in the event that a disability occurs. Has your disability claim been denied? Contact Share Lawyers and put our experience to work for you. We offer free consultations and there are no fees unless we win your case. Find out if you have a Disability Case. We have recently settled cases against The Co-operators, Sun Life, Manulife, Unum Canada and RBC Insurance.

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