Manulife Long-Term Disability Payment Schedule: When You’ll Get Paid

If you’ve been approved for long-term disability (LTD) benefits through Manulife, one of the first questions you may have is: When will I get paid?

While payments are typically made on a regular schedule, delays and interruptions can happen — especially at the beginning of a claim or during ongoing reviews.

Understanding how the Manulife payment schedule works can help you plan ahead and avoid surprises.

When Does Manulife Start Paying LTD Benefits?

Manulife LTD payments usually begin after:

• Your short-term disability benefits end, or
• A waiting period (often around 120 days)

Once your claim is approved, payments are typically issued on a recurring basis.

How Often Does Manulife Pay Disability Benefits?

In most cases, Manulife pays LTD benefits:

• Monthly
• By direct deposit

The exact payment date may vary depending on:

• Your policy
• When your claim was approved
• Internal processing timelines

What Affects Your Payment Schedule?

Several factors can impact when and how you’re paid:

• Approval timing
  Delays in approving your claim can push back your first payment
• Missing information
  If documentation is incomplete, payments may be delayed
• Ongoing reviews
  Manulife may periodically reassess your claim
• Offsets and deductions
  Payments may be adjusted based on other benefits (CPP disability, etc.)

Why Your Payments Might Be Delayed

Even after approval, delays can happen.

Common reasons include:

• Requests for updated medical information
• Administrative processing issues
• Changes to your claim status
• Questions about your continued eligibility

What to Do If Your Payments Are Late or Stopped

If your Manulife disability payments are delayed or stopped:

• Check if Manulife has requested additional information
• Follow up with your case manager
• Keep records of all communication
• Make sure your medical documentation is up to date

If the issue isn’t resolved, you may need to take further steps.

Can Manulife Change or Stop Your Payments?

Yes.

Even after approval, Manulife can:

• Adjust your payment amount
• Pause payments during a review
• Terminate benefits if they believe you no longer qualify

This often happens:

• At the 2-year mark, when the definition of disability changes
• During periodic reassessments

Key Takeaways

• Manulife LTD benefits are usually paid monthly
• Payments begin after a waiting period or STD ends
• Delays can happen due to documentation or reviews
• Benefits can be adjusted or stopped after approval

Speak With a Disability Lawyer

If Manulife has denied or cut off your short-term or long-term disability benefits, you may still have options — including compensation.

A free consultation with a long-term disability lawyer at Samfiru Tumarkin LLP can help you understand your options and protect your right to ongoing benefits.