LTD benefits serve as income replacement for employees who cannot work due to illness or injury.
Usually, LTD benefits commence once short-term disability...
LTD benefits serve as income replacement for employees who cannot work due to illness or injury.
Usually, LTD benefits commence once short-term disability benefits have ended. If an employer does not provide short-term benefits, LTD benefits often start after any employer-provided sick leave is depleted or following the expiration of Employment Insurance (EI) Sickness Benefits, which can last up to 15 weeks. For a detailed understanding of your rights under long-term disability, consulting with a long-term disability lawyer is advisable to Expropriation Lawyer Hamilton .
The amount of LTD benefits typically falls between 60% and 80% of your usual or pre-disability earnings, based on the specific terms of the disability insurance policy. Contrary to short-term benefits, LTD benefits can extend up to the age of 65.
Eligibility for LTD benefits is determined by the policy’s definition of “totally disabled.” It’s important to note that “totally disabled” does not imply an absolute inability to work in any capacity. Rather, “totally disabled” or “total disability” have specific definitions that vary from one policy to another.
lawyers can help with:
Handling applications for short-term disability benefits
Assessing applications for short-term disability benefits
Contesting denials of short-term disability benefits
Submitting applications for long-term disability benefits
