While it depends on the particular policy, benefits for long term disability start after a waiting period of 3-6 months and after receiving either short term disability benefits or EI sickness benefits. Of course, this isn’t automatic, you have to apply in order to get them. There are nuances you have to understand.
Living with a disability can be challenging, both personally and financially. If you're unable to work due to a disability, you may be eligible for long term disability benefits through your employer’s insurance company or if you have a privately purchased policy.
But when does long term disability start? This blog post will provide an overview of long term disability benefits, including when they start and what you need to know about how to get them quickly.
Short term disability vs. long term disability timelines
Firstly, it’s important to distinguish the differences between short term and long term disability benefits. Short term disability typically covers you for around three to six months, while long term disability benefits are meant for those who will be unable to work for an extended period (usually for a year or more). So in answering, “When does long term disability start?”, you have to look at your specific policy. Depending on that, you will need to apply for and receive short term disability benefits or EI sickness benefits before being considered for long term disability benefits.
Once you’ve submitted your application for long term disability benefits, your insurance company will review your application to determine whether you meet the criteria for benefits. This process can take anywhere from a few weeks to several months, so it's important to plan ahead and submit this application early so you don't have an interruption in your benefits. Your case manager will consider factors such as the nature of your disability, your medical history, and your ability to work.
Important factors that impact when long term disability starts
If your application is approved, you will receive a letter outlining the monthly benefit amount, the duration of your benefits, and any other details specific to your policy. But it's important to remember that about 60% of Canadians who apply for long term disability benefits are denied. We don't mention this to discourage you, but if you don’t fight you won’t get them; if you have been denied long term disability, contact our disability lawyers for support in getting the benefits you deserve.
Navigating the world of disability benefits can be confusing and overwhelming, and it's crucial to find an ally who knows the ins and outs of disability law in Canada. Let the disability lawyers at Share Lawyers guide you. We have over 35 years of experience, and it's always free to speak with us at any point in the disability benefits process. If your insurance company denies your disability benefits, we will fight back on your behalf to secure your benefits.
Are you wondering, “When does long term disability start?” While the process of applying for benefits and the definition of total disability can vary depending on the policy, knowing when your benefits can start and what factors can impact them is crucial. If you’re unable to work due to a disability or disabling medical condition, long term disability benefits can help provide financial stability and peace of mind.
Denied your long term disability claim?
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