Disability Policy Benefits - What You Need to Know

Disability policies in Canada typically do not pay benefits until after the expiration of a waiting period. In the case of short term disability benefits, the waiting period is often 7 days. In the case of long term disability, the waiting period is usually between 3-6 months. Private insurance companies have a submission period and a time frame to turn around the claim form as well, on a case-by-case basis. A policyholder or claimant can easily become discouraged and lose out on benefits simply because they do not understand the details of their policy. And there are mistakes you can make in applying that can hurt your claim or even destroy your chances of receiving benefits.

What you need to understand while you apply for your long term or short term disability benefits

Disability Insurance typically provides benefits equal to 66% of your weekly or monthly base salary (although the amount of the benefits varies significantly from policy to policy). In order to determine the amount you should receive, it is important to read the Benefit Booklet carefully, and also review any enrolment forms that you may have submitted to your employer when you first obtained coverage for disability at work.

It’s in the numbers

In some cases, you may only have qualified for basic or core coverage which can have a relatively low monthly maximum benefit (e.g., Base salary of $50,000 per year would result in an LTD benefit of $2,777.92 at 66.67%, but if your plan has a “non-evidence” maximum of $2,000.00 per month, you can only receive the higher amount if you specifically applied for the additional coverage.)

Claims adjusters or your case or claims handler

In the case of a policy you purchased on your own directly from the insurance company, the amount of the benefit should be stated in the policy that was provided to you when the policy was originally issued. The typical insurance company is made up of many components. When you are submitting a claim for disability an important member of your insurance review team is the claims adjuster. This person may also have a different title, such as “Abilities Manager”, “Claims Handler”, “Adjudicator”, “Claims Analyst”, etc. All of these titles fulfill the same basic role, acting as the gatekeeper on your claim with the insurance company.

Since you have not filed yet, you may not be familiar with the claims adjuster. They are the ones who manage the paperwork on behalf of the insurer and come to an initial conclusion. They are also the representatives who tell you if your claim has been accepted.

Please note that these adjusters are not going to be on your side. They may be nice, polite and may seem accommodating – but you should always take their friendliness with a grain of salt. Their bottom line is to save their company money, so they will poke and prod you with questions until you are sick of it. And they will look for a weakness in your case – or in you.

Please stay calm and keep track of every phone call you are having. Get in touch with a disability insurance law firm, like Share Lawyers who can walk you through how to handle these calls, especially in the case that you are denied after this process.


If you'd like even more information about applying for long term disability benefits, please visit this page on our website and download our Applying for Long Term Disability Guide at the bottom of the page.

Still have questions? Contact the long term disability insurance lawyers at Share Lawyers. Our 35+ years of experience in long term disability (LTD) law 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.

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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