The lawyers at Aaron Waxman & Associates are experienced with Disability, Personal Injury and Employment claims.
Long-term disability (LTD) benefits are a form of income replacement paid to you when you are unable to work due to injury or illness. The benefit pays you a percentage of your monthly income.
Some employers offer LTD benefits as part of their group benefits package. If you have access to LTD benefits and have become disabled as a result of illness or injury, you may be wondering how long these benefits can and will be paid for.
There are various factors that determine how long LTD benefits will be paid to you.
The most important information you need to know is contained in your policy. It is very important to review your policy, and if you do not have a copy, request it from your employer.
You want to find out information such as how your policy defines disability (own occupation and any occupation) and at what age the policy ends.
The own occupation period is the period of time of where the definition of total disability relates to your inability to perform the duties of your own occupation as a result of illness or injury. The own occupation period is typically 2 years. When the definition changes to any occupation, in order to be eligible for benefits, you must show that you are unable to perform the duties of any occupation for which you are or may become qualified for by education, training and experience as a result of illness or injury.
The factors that can affect the length of time benefits of paid include:
If you or someone you know has been denied long-term disability benefits, it is important to seek legal advice. A lawyer can help you understand your rights and legal options. Our law firm offers a free no obligation consultation, that can be arranged at a date and time that is convenient for you.
* This blog is for informational purposes only and is not meant to substitute legal advice. Please read our disclaimer for further information.
* All of our lawyers are licensed by The Law Society of Upper Canada
* Office in Toronto and able to represent people in the province of Ontario
Disability & Personal Injury Blog