Am I Eligible for Disability Benefits in Saskatchewan?
When starting a new job, one of the critical factors to consider is the benefits package offered to you as an employee. While most people focus on medical, dental, and vision coverage, many group plans in Saskatchewan also include life insurance, critical illness coverage, and disability benefits. However, disability benefits are often overlooked, and the details can be more complex than you might expect.
If you think you have disability benefits—short term or long term—it’s essential to fully understand your options and what your coverage entails. Being informed can make all the difference if you ever need to file a claim.
Are you looking for information on Saskatchewan disability benefits? Share Lawyers’ experienced team can help you understand your situation.
Disability Benefits in Saskatchewan
There are a few questions to ask when determining if you’re eligible for disability benefits in Saskatchewan.
Do You Have Short Term Disability in Saskatchewan? How Long Does it Last?
Short term disability benefits are designed to provide financial support if you’re temporarily out of work due to an illness or injury. They typically last anywhere from a few weeks to six months, depending on the specifics of the policy.
You are typically eligible for short term disability benefits if you:
- You have suffered an injury, illness, or medical condition that stops you from being able to perform the basic duties of your job.
- Have insurance coverage through your employer or a private insurer.
- You’ve completed the required qualifying period at your job, as outlined in your insurance policy.
Do You Have Long Term Disability in Saskatchewan? How Long Does it Last?
Long term disability benefits typically begin when an illness or injury prevents you from working for an extended period or after your short term disability benefits have been exhausted. Your policy will outline whether you have LTD coverage and for how long it lasts. In many cases, LTD coverage continues until age 65, as long as your condition prevents you from performing your job’s essential duties. However, some policies may limit coverage to shorter periods, such as five years.
Additionally, many LTD policies undergo a Change of Definition after two years. Initially, you may qualify for benefits if you cannot perform your current job. Still, after two years, the policy may require that you be unable to perform any job for which you're reasonably suited based on your training, education, or experience.
You’re typically eligible for long term disability benefits if you:
- You are a permanent resident of Saskatchewan.
- You’ve completed the qualifying period at your job, as specified in your insurance policy.
- You have an illness, injury, or medical condition that prevents you from performing the essential duties of your job for an extended period of time.
- You have long term disability coverage through your employer or a private insurer.
If you're struggling to understand your eligibility, don’t worry. Disability insurance policies can be complicated, especially if you're unfamiliar with the legal terms. Fortunately, long term disability lawyers in Saskatchewan, like the team at Share Lawyers, can guide you through the process, helping you clarify your eligibility and ensuring you have the support you need to pursue your claim.
Share Lawyers is Here for Saskatchewan
If an injury or illness keeps you from working, disability benefits in Saskatchewan can be a crucial lifeline to help cover your expenses. Determining eligibility for these benefits is just one part of the process.
Having a long term disability lawyer in Saskatchewan, like Share Lawyers, by your side can make all the difference in understanding your situation and finding a path forward. Speaking to us is free, with no obligation, and you don’t owe us anything until your benefits are secured. We’ll work with you to determine if our services are the right fit for your needs.
“Share Lawyers helped me through one of the most challenging times in my life. I was struggling with my health and could not battle a huge insurance company. From the second I hired Share Lawyers, I could feel them levelling the playing field. They took over everything from handling the paperwork to dealing with the insurance company and allowing me to focus on my health. Ultimately, they ensured that I received a fair settlement. I cannot thank them enough for the service that they provide. I cannot recommend them highly enough.” — Valeh C., Saskatoon |
During this challenging time, we want to be the support you can rely on, offering empathetic guidance with no barriers to the legal help you deserve.
Still wondering if you’re eligible for Saskatchewan disability benefits? We’re ready to help.
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.