How Long Do Disability Claims Work In Canada And How Do I Apply?

Most people with long term disability insurance coverage have it as part of the group benefit package offered by an employer. When you find yourself in a position where, as a result of an injury or illness, you are unable to work, you should request the necessary forms from your employer. This will typically require that you, your employer and your treating physician complete forms to be submitted to the insurance company. When the insurance company has received these forms and any additional information that it believes it requires to process your claim, it will make a determination of whether or not you are “totally disabled” based on the definition of disability contained in the insurance policy.