Are You Eligible for Disability Benefits?

Your Benefits Package

When you start at a new job, one of the things to consider is what benefits are being provided to you as an employee. Most people want benefits and tend to focus on benefits for medical expenses not covered by the provincial health plan as well as dental and vision benefits.

Most group benefit plans also include life insurance, accidental death and dismemberment, critical illness insurance and disability benefits, but the details of these benefits are often glossed over by people who are focused on getting the job.

So if you think you have benefits at work, you might want to have a closer look at the benefits booklet, company online portal or other information package to determine exactly what benefits you do have. You may assume that you have disability insurance benefits, but the details can be confusing and often people end up having different coverage than they originally thought they had.

If you’re putting in a disability claim, it is important to get information on exactly what benefits you have.

Important Questions To Ask As You Read Through Your Policy:

  1. Do you have Short-Term Disability Benefits? If so, how long do they last?
  2. Do you have Long Term Disability Benefits? Again, how long do they last?
For long term disability benefits, coverage is usually provided to age 65, although the test for entitlement may be different for different time periods. There has been a trend of late to provide coverage that is much shorter than providing coverage to age 65. In some cases, the benefits are limited to 5 years or lesser periods.

If you think you have coverage that will protect you if you can never work again, check the fine print of your benefit information package as you may be surprised that you may not have the coverage you thought you did.

Are You Eligible to Receive Disability Benefits?

If you have disability benefits coverage then the question of whether you are eligible to receive benefits will depend on the definition of disability under your coverage and whether your restrictions and limitations are severe enough to prevent you from doing the essential duties of your own occupation or of any occupation. You need to have supportive medical evidence and a lot of patience to fill out all the necessary forms and to fulfill all of the requirements your insurance company requests to satisfy them that you are unable to work and are entitled to your disability benefits.

So, assuming you have the coverage, you’ve filled out all of the forms and have supportive medical information, but your claim is denied, that is when you get a hold of our firm to discuss whether you need the help of a lawyer to get what you’re entitled to.


If you know someone whose claim for
long term disability was denied, refer them to the long term disability insurance lawyers at Share Lawyers. Our 35+ years of experience in long term disability (LTD) law can help them win their case. With every referral you submit, we will thank you by giving you a chance to win in our Top Fan Giveaway on the Share Lawyers Facebook Page.


Denied your long term disability claim?

Contact Share Lawyers today and put our experience to 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. We offer free consultations and there are no fees unless you win your case. Join us on Facebook and become a Top Fan for a chance to win each month.

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A note from our long term disability lawyers

Taking a medical leave from work is not an easy decision to make. Concerns about providing for yourself and your family and keeping your job may cause you to want to push through your pain, but this won’t make your problems go away. Stopping work is often the smartest decision for your long term health and well-being, and your disability benefits are there to provide you with financial support until you can return to work.

If you have made the tough decision to stop working and apply for your short term disability or long term disability benefits, you may feel overwhelmed by the process and have questions that your employer and your insurance company are not able or willing to answer. Share is There to see you through and answer your questions.

Our Disability law firm knows what you have been going through

We understand that things have not been easy for you over the last little while. Your health has been suffering, you are unable to work, and now your insurance company, who was supposed to be there in your time of need, has decided they will not pay your disability benefits or respect your disability claim. These benefits exist to provide you with the financial support you need so that you can focus on your health and rebuilding your life. It is unfortunate that your insurance company has not lived up to its promise. If your disability claim has been denied, we will fight to get you the benefits you are entitled to. Our disability lawyers have helped thousands of Canadians get their long term disability benefits over the past 35 years, and we can help you too.

Our experienced disability lawyers can fight back on your behalf

Share Lawyers believes that every client who is dealing with a disability claim deserves superior personal service. To achieve that goal, we have developed our team of experienced, compassionate, and caring long term disability lawyers, law clerks, and administrative staff to meet all of your needs. Our team of experienced long term disability, life insurance, employment, and critical illness insurance lawyers have made successful claims against many insurance companies, third-party administrators and employers.

If you are unable to work, your disability benefits should be there to provide you with the financial support you need. While your insurance company may be focused on finding ways to avoid paying your claim, our focus is on what is in your best interest. When Share Lawyers gets involved, you have an entire team of lawyers that are there to support you and to fight for what is yours.

Our disability claim lawyers fight for your disability insurance claim by relying on our many years of experience to apply the best strategic planning and approach in each case, using the latest technology available. Experience matters, and with Share Lawyers, you are in the best hands with 35 years of success on your side.


In this video, we explain the role of a long term disability lawyer and how we can support you when you have been denied your long term disability benefits.









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