What You Need to Know to Claim Long-Term Disability

When you’ve sustained an injury or are suffering from a medical condition that stops you from working, some vital questions about your future and your family’s wellbeing will spring to mind.

The lawyers at MacGillivray Law have outlined the steps below to get you on the path to claiming long-term disability with as little hassle as possible.

Getting Your Doctor’s Approval

Before consulting any disability programs, make sure your doctor supports your decision to go on sick leave and apply for benefits. Making an unfounded disability claim can result in your termination of employment, as your employer will think you are taking unauthorized time off. Without your doctor’s approval, insurance companies will deny your application for disability benefits.

Some doctors will not give their approval unless they see you have followed their instructions and tried to improve your health. If they still don’t support you, discuss your concerns with them and why you feel a long-term disability claim is the solution for you.

Qualifying for a Disability Benefits Program

Now that you have your doctor’s support, you can review the programs and benefits available in Canada; however, you should begin closer to home—that is, check with your employer about the benefits they offer, such as paid sick days. You may be able to gain weeks or months of paid sick days, which is the first option to use when you take your disability leave. Your employer may also offer short-term disability benefits, which cover up to three months of leave depending on the disability plan. If your employer does not offer either of these options, then consider:

Employment Insurance (EI) Sickness Benefits: This program will give you temporary income replacement benefits, but only up to 15 weeks, and if you qualify. You can qualify for EI benefits if you have used all of your sick days, or if you have worked enough insurable hours.

Long-Term Disability Insurance Benefits:  This program picks up where others have left off, such as EI benefits, short-term disability, and sick days. The purpose of applying for long-term disability benefits is so you can still have your income. In contrast to EI, these benefits cover up to several years. When your disability was caused by a workplace accident, you may have long-term disability insurance combined with workers compensation benefits.       

Workers’ Compensation Benefits: This program covers most Canadian workers, as it is the law for businesses to register for a worker’s compensation program; however, there are exceptions, and the details may differ from province to province. These benefits are only for work-related injuries.

Canadian Pension Plan (CPP) Disability: People under the age of 65 can qualify for this plan, but only if they have continually contributed to the plan and if they cannot work on a daily basis. This plan is also open to dependent children of someone who receives CPP disability benefits.

At MacGillivray Injury and Insurance Law, we know that you are putting all your focus on recovering, and our lawyers do everything they can to make filing a claim as easy as possible.

Contact us for your free initial consultation today.