My Doctor has Suggested that I Take a Holiday out of the Country. Do I have to tell the Insurance Company? How will this affect my LTD Claim?

Vacation On Disability - Will It Affect My Claim | Share Lawyers

Taking a vacation on disability may be very beneficial, as long as you take the right steps to ensure that your recovery stays on track and you are in full compliance while your claim is being reviewed.

Staying active is very important as part of a well-rounded recovery plan. Simply going on vacation should not be an issue. You may, however, cause problems if you attempt to engage in strenuous activities or activities that are outside of the restrictions and limitations given to you by your doctor.

Vacation Planning While On Long or Short Term Disability

If you're planning a vacation, you need to contact a Disability Claim Administrator for approval prior to your departure. Reviewing your disability policy before planning any trips should be step one, as your policy may have restrictions about your right to travel. Taking a holiday is not usually caught by these restrictions, but you should have medical clearance to travel as the insurance company may view travelling on vacation as being inconsistent with being disabled from gainful employment. For longer absences from the country, pre-approval may be required as many policies will not continue payments if you leave Canada.

Your health care professional will need to indicate in writing that your treatment plan will not be affected and that it will be safe for you to travel. You will need to provide them with contact information. It is important that you should check your LTD plan for further details about what may be required for travel. If you feel nervous about going, keep a journal with details about your activities. Talk about what you have done, what you had trouble with, and how your disability affected those around you. For example, can't walk long distances, couldn't play with your children, etc. This can help show that you needed some relaxation but that your activities were still hindered.

Insurance Company Tactics

Be wary of the possibility of surveillance as well as monitoring on social media; holidays are likely to produce photos and videos, etc. You may be inclined to post these memories. Unfortunately these images can be misconstrued by the insurance company as inconsistent with being disabled. For example, having a good time and enjoying yourself. Regardless of the validity of this (everyone needs a break!), it is important to keep in mind so as not to derail your claim.

Above all, use logic and caution in equal measure. If you think your activities may look bad or be misconstrued from the outside, they may require some reworking. As long as you take the proper precautionary measures, a vacation should be within your reach.

If you have forms that need to be filled out, or if you have been asked to undergo a medical exam, take care of that before you leave. Keep in mind that any accrued vacation cannot be used to "top up" short term or long term disability benefits.


Hoping to learn more about Change of Definition or want to read about a Toronto Neighbourhood? Has your disability claim been denied? Contact Share Lawyers and put our experience to work for you. We offer free consultations and there are no fees unless we win your case. We have recently settled cases against The Co-operators, Sun Life, Manulife, Unum Canada and RBC Insurance.

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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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