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Tariff Job Losses & Long Term Disability: What Does This Mean for Canadians with Medical Conditions
If you are currently employed and struggling with a medical condition that makes it difficult to work, the uncertainty surrounding the new and evolving tariffs on Canadian imports should prompt you to assess your options. Many employees delay applying for long term disability benefits, hoping their condition will improve or fearing the stigma of stepping away from work. However, waiting too long could put you at risk of losing access to these benefits altogether.
If your employer is forced to cut jobs or cut down your hours, your benefits could disappear along with your position. Since most LTD insurance policies require you to be actively employed full-time when applying for benefits, job termination may make it impossible to file a claim.
Should you stop working now to apply for long term disability benefits? Learn more here.
How to Protect Yourself: Tariff Job Loss and Long Term Disability Benefits
Review Your Benefits Plan – Take a close look at your workplace disability benefits. Check eligibility requirements, coverage details, and the claims process.
Talk to Your Healthcare Provider – If you’re struggling to work due to a medical condition, discuss your options with your doctor. LTD claims require medical support to confirm your inability to work.
Consider Applying Sooner Rather Than Later – If your condition is worsening or making work increasingly difficult, applying for LTD benefits while you’re still employed may be in your best interest.
Seek Legal Advice if Needed – Understanding the fine print of disability benefits can be complex. If you’re unsure about your rights or options, an experienced and specialized disability lawyer can help.
Looking Ahead
While the hope is that Canada and the U.S. will resolve trade disputes without massive job losses, economic uncertainty remains.
For workers with health challenges, preparation is key. Taking steps now to understand and secure your long term disability benefits could make all the difference in protecting your financial and personal well-being, regardless of what happens on the economic front.
If you need guidance on your LTD options, reach out to our team for a free consultation. We can help you navigate this process with clarity and confidence.
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.
