4 Steps to Vacation While on Disability Benefits
CAUTION: While receiving disability benefits, please proceed with any travel or vacation plans with caution. Travelling could put receipt of your disability benefits at risk. See the tips below if you intend to travel while on disability benefits.
Travel can be incredibly therapeutic, offering a much-needed break from everyday stresses. But if you're on disability benefits in Canada, like those from providers such as Manulife, Canada Life, or Sunlife, taking a vacation while on disability benefits can feel out of reach.
You might worry about the financial feasibility of a trip or how it could impact your benefits. Still, with the correct information, a vacation might be more possible than you think. By staying informed, making thoughtful decisions, and planning carefully, you can enjoy a break without risking your LTD benefits.
In this blog post, we’ll explain the essentials of taking a vacation while on disability benefits in Canada.
Are you worried about how taking a vacation while on disability benefits will impact your claim? Share Lawyers is ready to defend your rights.
4 Steps to Vacation While on Disability
Just because you’re hurt or sick and unable to work doesn’t mean you have to be bedridden or miserable. You still have a life to live, and you shouldn’t be forced to remain indoors, especially during a time that is already very stressful.
Taking a vacation while on disability can be a refreshing break to keep your spirits up. However, avoiding complications with your insurance provider may require careful planning.
Here’s a streamlined guide to help make your trip planning smooth and stress-free.
4 Steps to Follow if You Vacation While on Disability | |
| Before planning a vacation, review your LTD policy for any travel restrictions. Some policies require notifying your insurer about trips abroad and may need pre-approval for extended stays. |
| Confirm with your doctor that travel is safe and doesn’t interfere with your treatment. Consider journaling any limitations you experience to show that you still need time for recovery. |
| Let your insurance provider know about your travel plans. Keeping them informed can help prevent misunderstandings or interruptions in your benefits. |
| Even on vacation, maintain all scheduled medical appointments. If you need care while away, update your insurer upon your return to avoid any issues. |
Travel Medical Insurance Denied?
Surveillance While on Vacation
Our disability lawyers always recommend being careful with social media during a vacation. While it’s natural to want to share moments with friends and family, remember that your insurer could be watching. Photos and videos, even the most innocent ones, could be used to challenge your claim. Don’t let a few shared memories put your benefits at risk. Stay mindful about what you post—protecting your claim is worth the extra caution.
Can I Travel While on Short Term Disability in Canada?
If you're currently on a short term disability claim in Canada, it's essential to check with your provider about any travel restrictions that may apply to your policy. Some plans don’t allow travel at all, while others may have specific conditions. Before making any plans, confirm what’s permitted under your coverage.
If travel is allowed, you may need clearance from your healthcare provider to ensure your condition supports it. Being proactive here can help you avoid potential issues with your claim.
The Bottom Line on Taking a Vacation While on LTD Benefits
Strike a smart balance between enjoying your trip and being cautious with your activities. Keep in mind insurers are often looking for reasons to question or deny claims. If anything in your plans could be misinterpreted, consider adjusting to avoid potential issues. With a few thoughtful precautions, you can enjoy that dream vacation without risking your benefits!
Denied Your Long Term Disability Claim Because You Went on Vacation? We Can Help
At Share Lawyers, we know that taking a vacation while on disability benefits can be important to your healing journey. A break can lift your spirits and help you recharge, making a real difference in your recovery.
But unfortunately, some insurance companies may try to use your vacation as grounds to question or even deny your claim—suggesting that if you can travel, you can work. This approach is unfair, and it's precisely why we’re here to defend your rights.
With over 35 years of experience and a track record of helping more than 9,000 Canadians secure their benefits, we’re committed to fighting for the support you deserve.
“Great experience working with Share Lawyers. Very knowledgeable, and great service them. Always keeping you up to date with the proceedings. I would definitely recommend them.” — Gail M., Toronto |
We believe so strongly in our abilities that we operate on a contingency-fee basis—meaning we only get paid when you win. You’re not just another case; you’re a priority, and we’re here to stand by you every step of the way.
Cut off because you took a vacation while on disability benefits? Share Lawyers is ready to fight on your behalf.
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.
