Canada Life Long-Term Disability in Canada: 2025 Guide to Benefits, Denials & Legal Help

Dealing with a long-term disability claim through Canada Life can be stressful and confusing. The paperwork, delays, and unclear rules often leave people feeling overwhelmed — especially when benefits are denied or cut off after 2 years.

This easy-to-follow guide explains how to:

• Apply for Canada Life LTD benefits
• Understand your monthly payments and offsets
• Navigate the 2-year change of definition
• Appeal a denied or terminated claim
• Get help from an experienced disability lawyer if needed

If you’re covered under Canada Life group benefits or an individual policy, this guide will help you secure the financial support you’re entitled to from Canada Life.

Complete Guide to Canada Life Long-Term Disability Claims

What This Guide Covers

About Canada Life and Long-Term Disability Insurance

Canada Life is one of Canada’s largest insurance and financial services companies. It offers a range of products, including long-term disability (LTD) insurance.

Headquartered in Winnipeg, the company serves millions of customers across Canada, the U.S., and worldwide. Canada Life is part of Great-West Lifeco and has grown through mergers with providers like Great-West Life and London Life.

Canada Life Long-Term Disability Benefits

Canada Life LTD benefits provide income replacement if you can’t work due to illness or injury. They help cover essential expenses while you recover.

There are two types of Canada Life LTD coverage:

• Group Insurance Plans: Offered by employers through workplace benefits. The terms are outlined in your group benefits booklet or certificate. Review this document carefully to understand your coverage.
• Individual Insurance Plans: Purchased privately, often by business owners, professionals, or executives. These plans offer customizable coverage and often higher benefit limits.

Canada Life LTD benefits typically begin after Canada Life short-term disability or other support, like Employment Insurance (EI), runs out.

• LEARN MORE: Transitioning from Short-Term to Long-Term Disability

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How to Apply for Canada Life Long-Term Disability (LTD) Benefits

Applying for Canada Life long-term disability (LTD) benefits is a critical step if you’re unable to work due to illness or injury. Canada Life’s claims process requires specific documentation to demonstrate your medical condition and inability to perform your job. Whether you are covered under a Canada Life group benefits plan or an individual policy, understanding the process is essential to avoid delays or denials. Learn how to obtain your LTD policy here.

Step-by-Step Guide to Applying for Canada Life LTD Benefits

Step 1: Gather the Required Forms

You will need to obtain several forms before submitting your LTD claim. These include:

• Employer Statement: This form is completed by your plan administrator (typically your employer). It outlines the details of your employment and benefits coverage.
• Employee Statement: You must complete this form yourself. It provides information about your health, job responsibilities, and how your condition prevents you from working.
• Initial Attending Physician’s Statement: Your doctor will need to complete this form, which details your diagnosis, treatment, and how your medical condition affects your ability to work.

Step 2: Submit Your Claim

Once your forms are completed, you can submit them through Canada Life’s group benefits login portal or by mailing the physical documents. While Canada Life allows both methods, submitting online is faster and allows you to track the progress of your claim.

Step 3: The Waiting Period (Elimination Period)

After submitting your LTD claim, you will typically have to wait through an elimination period (also referred to as the qualifying period), which can last between 90 to 180 days depending on your policy. During this time, you may continue to receive STD benefits, or other forms of financial assistance, until your LTD benefits kick in.

Step 4: Approval or Denial of Your Claim

Canada Life usually takes 5 to 20 days to process LTD claims, but it could take longer depending on the complexity of the case or if additional documentation is required. You will be notified by Canada Life if your claim is approved, or if it has been denied, the reasons for denial will be provided in writing.

During this process, you may encounter challenges dealing with adjusters who handle your claim. It’s important to understand how to communicate effectively and handle any difficulties that arise. Learn more about how to manage difficult adjusters here.

Step 5: What to Do If Your Claim Is Denied

If your LTD claim is denied, don’t lose hope. You have options to appeal the decision, which will be discussed in detail in the Canada Life Appeal Process section of this guide. You may need to submit additional medical evidence or clarify certain aspects of your condition to strengthen your case.

You can also get a free consultation with a disability lawyer at Samfiru Tumarkin LLP to understand your options.

Additionally, being on LTD can sometimes raise employment-related concerns, such as how your employer handles your position or benefits during your disability. Find out how employment issues interact with long-term disability claims.

Tips for a Successful LTD Application

• Ensure Complete Medical Documentation: Incomplete or vague medical records are one of the main reasons LTD claims get denied. Make sure your doctor provides detailed documentation that clearly shows why you are unable to work.
• Submit Forms Promptly: Delays in submitting required forms can prolong the approval process. Submit your documents as soon as they are completed to avoid unnecessary waiting periods.
• Track Your Claim: If you submit your claim online through the Canada Life group benefits portal, you can monitor the status of your application and respond quickly to any requests for additional information.

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Canada Life LTD Payment Overview

If your Canada Life long-term disability payment is approved, you’ll begin receiving monthly LTD payments that replace a portion of your income. These benefits are designed to help cover essential expenses like rent or mortgage payments, food, and medical costs while you’re unable to work due to illness or injury. Learn more in our complete guide to long-term disability claims.

How Much Will You Receive?

Canada Life typically pays between 60% to 80% of your pre-disability gross income. The exact amount depends on:

• Your policy terms (group or individual)
• Any applicable monthly benefit cap
• Whether your payments are taxable or tax-free

Other Income That Can Affect Your LTD Payment

Canada Life may reduce your monthly LTD benefits if you receive income from other sources. These “offsets” can include:

• CPP disability payments
• Severance packages
• Employer-paid sick leave or wage-loss replacement benefits

It’s important to review your policy and speak with your case manager to understand how offsets may impact your monthly benefit amount.

When Will You Receive Payments?

LTD payments from Canada Life are typically made on a monthly basis, starting after your claim is approved. The exact date can vary depending on your insurer’s internal process and how your policy is set up.

What If Your LTD Payment Is Late?

Occasionally, you may experience a delay in your LTD payments. Common reasons include:

• Missing or incomplete medical documentation
• A pending policy reassessment (especially around the two-year mark)
• Administrative or banking errors

If your payment is delayed, contact your Canada Life disability case manager and check your Canada Life GroupNet account for updates.

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Checking Your Canada Life Disability Claim Status

Keeping track of your Canada Life long-term disability (LTD) claim status is essential to avoid unnecessary delays and ensure your monthly LTD benefits continue without interruption. Whether you’re waiting for an approval or managing ongoing payments, there are a few easy ways to monitor your claim.

1. Use the Canada Life Group Benefits Portal

The fastest and most convenient way to check your Canada Life LTD claim status is through the secure Canada Life Group Benefits login. This online portal lets you:

• Track the progress of your disability claim
• Review any correspondence or requests from Canada Life
• Confirm that your LTD payment schedule remains on track

How to Access the Canada Life Portal

1. Log in or register: Go to the Group Benefits login page. You’ll need your plan number and member ID, typically provided by your employer or plan documents.

2. Check claim updates: After logging in, visit the “Claims” section to check the current status of your LTD application — whether it’s under review, approved, or awaiting documentation.

3. View claim correspondence: The portal also includes communication from your case manager, such as payment updates or medical document requests.

2. Contact Your Canada Life Disability Case Manager

If you prefer to speak with someone directly, contact your Canada Life disability case manager. They oversee your file and can give you real-time updates on your claim.

How to Contact Your Case Manager

1. Phone: Your case manager’s phone number should appear in previous emails or mail from Canada Life. Keep it handy for direct communication.

2. Email: For a written record, email your case manager directly. Canada Life includes their contact info in their messages about your claim.

If you’re unable to check your claim online or haven’t heard from your case manager, here are next steps:

• Check your mail or email: Canada Life usually sends updates by mail or email. Make sure they have your current contact info.
• Contact customer service: Visit the Canada Life contact page to reach their general benefits support line for help with claim access or status updates.

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What Happens After 2 Years of Canada Life LTD?

Canada Life long-term disability claims are often terminated after two years due to a change in the definition of “disability” in most LTD insurance policies.

This is often where insurers apply the most pressure — hoping you’ll give up. But you still have rights, and you may still qualify for continued benefits if your medical condition prevents you from maintaining gainful employment in any suitable role.

If your claim is denied or cut off at this point, don’t panic — this is one of the most common scenarios our disability lawyers handle. You may be entitled to a reinstatement of benefits or a full compensation payout.

SEE MORE:
• Return to Work and LTD FAQ
• 5 LTD Terms You Should Know
• Top Disability Insurers in Canada

Canada Life’s Reassessment Process

As the two-year mark approaches, Canada Life will reassess your LTD eligibility using various tools:

• Updated medical records: They may request new medical reports to see if you’ve improved.
• Vocational rehabilitation: Programs aimed at helping you retrain or return to work.
• Surveillance or investigations: Canada Life may monitor your activities to challenge your claim.
• Independent Medical Examination (IME): These assessments are often used to dispute claims. Know your rights about IMEs here, or book a FREE consultation if you’ve been asked to attend one.

What to Expect If Canada Life Cuts Off Your Benefits

Many legitimate LTD claims are cut off at the two-year mark due to the tougher “any occupation” test. You may be denied even if your medical condition hasn’t changed.

Common Reasons for LTD Denial After 2 Years

• You’re deemed able to work in a different job, even if it’s unrealistic or unsuitable.
• Insufficient medical documentation supporting total disability.
• Surveillance footage or vocational reports that suggest you can work.
• Refusing or failing to participate in vocational rehab or return-to-work programs.

What to Do If Your Benefits Are Terminated

If Canada Life ends your LTD benefits after two years, you don’t have to accept the decision. You can take action to challenge it. The appeal process is covered in the next section, but here’s what you can do right away:

• Get updated medical support from your doctor to reinforce your case.
• Speak to a disability lawyer for a FREE consultation and personalized advice.

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How to Appeal a Denied Canada Life Long-Term Disability Claim

If Canada Life denies your long-term disability (LTD) claim or cuts off your benefits, it’s important to understand that you have the right to appeal their decision. The process can feel overwhelming, but with the right approach — and legal guidance — you can improve your chances of getting your benefits reinstated.

Why Was Your LTD Claim Denied?

Before starting the appeal process, it’s crucial to understand why your claim was denied or cut off. Common reasons include:

• Insufficient Medical Evidence: Canada Life may say your documentation doesn’t prove that you are “totally disabled.” Here’s how health reports impact LTD claims.
• Change of Definition After 2 Years: If Canada Life believes you can perform any occupation (not just your own), they may stop your benefits.
• Surveillance or Investigations: If Canada Life thinks you’re able to work based on surveillance or reports, they may deny your claim.
• Failure to Comply: You may be cut off for missing rehab programs or not following recommended medical treatment.
• Pre-existing Conditions: Some policies exclude claims linked to a condition that existed before coverage started. Understand how this affects your LTD claim.
• Policy Age Limits: Most LTD policies stop paying benefits after age 65, even if you’re still disabled.

Step 1: Internal Appeal Process

Your first option is to file an internal appeal with Canada Life. This means asking the insurer to review your file again. While this sounds promising, success rates are low because you’re asking the same company to change its own decision.

Key steps in an internal appeal:

• Request Your Claim File: Ask Canada Life for a full copy of your claim file — including medical assessments, notes, and reasons for denial.
• Submit Additional Evidence: Work with your doctor to provide stronger documentation showing why you cannot work.
• Correct Errors: Clarify anything Canada Life may have misunderstood or overlooked during their review.

Step 2: Legal Claim Against Canada Life

In many cases, it’s more effective to file a legal claim instead of pursuing multiple internal appeals. This is especially true if your LTD claim was cut off after the 2-year mark.

1. Hire a Disability Lawyer

Work with a lawyer at Samfiru Tumarkin LLP who understands Canada Life LTD claims. We’ll handle all communication, build your case, and guide you every step of the way.

2. Canada Life’s Response

Once we file a claim, Canada Life must respond. They may assign a new claims manager — or even reverse their decision, like they did for our client Sandra Bullock.

3. Negotiations and Resolution

Most cases settle without going to court. You may receive your benefits through a negotiated agreement. If needed, we’re prepared to take your case to trial.

How to Strengthen Your Appeal or Lawsuit

• Medical Reports: Get detailed letters from your doctor outlining your condition, symptoms, and why you cannot work.
• Vocational Assessments: Show why you can’t perform any job — not just your previous one.
• Experienced Legal Support: The LTD process is stacked in favour of the insurance company. Let our team help you level the playing field.

What Not to Do During the Appeal Process

• Do Not Wait Too Long: There’s a strict 2-year time limit to file a legal claim.
• Do Not Rely Only on Internal Appeals: Canada Life often denies appeals. Speak with a disability lawyer before making your next move.

If your Canada Life long-term disability claim has been denied or cut off, take action now. The right legal guidance can get your benefits back — and fast.

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Canada Life LTD Denial: Legal Alternatives

If your Canada Life long-term disability (LTD) claim has been denied or your benefits have been cut off, you still have strong legal options. In fact, pursuing legal action is often the most effective way to recover the compensation you’re owed.

While an internal appeal may seem like the easiest route, it rarely succeeds. A legal claim gives you real leverage and often results in better compensation.

Why Consider Legal Action?

Many people find that Canada Life repeatedly denies their internal appeals, even when strong medical evidence is provided. That’s because you’re asking the same insurer that denied your claim to change its mind.

Filing a legal claim means your case is handled outside the insurance company — and that changes everything.

Key Reasons to File a Legal Claim:

• Impartial Review: Your case is reviewed fairly by an outside legal system, not Canada Life’s internal staff.
• Increased Pressure: When Samfiru Tumarkin LLP gets involved, insurers know they’re facing proven legal experts.
• Better Outcomes: A legal claim often leads to reinstated benefits or a lump-sum settlement that exceeds what internal appeals offer.

How the Legal Process Works

Filing a legal claim can feel intimidating, but our team handles everything. Here’s what to expect:

1. Speak to a Disability Lawyer

Your first step is to talk with a lawyer at Samfiru Tumarkin LLP. We’ll review your denial, explain your rights, and build a strong case. This consultation is free, and you’re under no obligation.

2. File a Statement of Claim

If we take on your case, we’ll draft a Statement of Claim that outlines why Canada Life’s decision is wrong. This document officially starts the legal process.

3. Canada Life Responds

Canada Life will review the claim, often assigning new people to your file. In some cases, they reverse their decision or offer a settlement shortly after legal action begins.

4. Discovery and Evidence

If your case continues, both sides exchange evidence. This is your chance to share updated medical reports and clarify why you cannot work. It’s also when we expose any weak points in Canada Life’s denial.

5. Settlement Negotiation

Most claims settle out of court. We’ll negotiate on your behalf to secure the best possible outcome — whether that’s reinstated benefits or a one-time payment to close the case.

What to Expect Along the Way

• Clear Guidance: Our lawyers handle all communication with Canada Life — you won’t have to speak to the insurer again.
• Medical Updates: Continue providing updated documentation to support your case. The more complete your medical file, the stronger your claim.
• Reasonable Timelines: Most claims resolve in a few months. The wait is often worth it — settlements are typically higher than anything offered in internal appeals.

Common Legal Claim Outcomes

• Settlement: The majority of legal claims lead to a financial settlement. This can include back pay, future benefits, or a full lump-sum payment.
• Benefit Reinstatement: Some clients get their LTD benefits restored shortly after filing a claim — no court required.

Should You File a Legal Claim?

Yes. If your claim has been denied, filing a legal claim gives you the best chance at compensation. Our lawyers have helped thousands of Canadians recover LTD benefits from Canada Life and other major insurers.

Canada Life knows our firm — and they know our results. When we get involved, they often settle rather than risk going to court.

No Win, No Fee Guarantee

At Samfiru Tumarkin LLP, you don’t pay unless we win. Our contingency-fee structure means there are no upfront costs, making legal help accessible when you need it most. Get a FREE consultation today.

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FAQs About Canada Life Long-term Disability Claims

When dealing with Canada Life long-term disability claims, there are often a lot of questions regarding the process, eligibility, and what to do if your claim is denied. Below are some frequently asked questions to help guide you through your claim journey. Find more answers in our full LTD FAQ section.

1. Who Qualifies for Canada Life LTD benefits?

To qualify for Canada Life long-term disability (LTD) benefits, you must meet all of the following conditions:

• Be covered under a Canada Life LTD policy — either through your employer’s group plan or an individual insurance policy.
• Have a serious illness or injury that prevents you from doing your own job during the first 2 years of your claim.
• After 2 years, your condition must prevent you from doing any job you’re reasonably suited for based on your education, experience, and training.
• Provide medical evidence from your doctor that supports your disability and inability to work.
• Meet all deadlines and policy conditions, including a waiting period and regular medical follow-ups.

Common qualifying conditions include: depression, anxiety, cancer, arthritis, fibromyalgia, heart disease, neurological disorders (like MS or Parkinson’s), and chronic pain. [See full list]

2. When Should You Apply for LTD Benefits With Canada Life?

You should apply for LTD benefits as soon as it becomes clear that you will not be able to return to work due to illness or injury. Typically, LTD benefits begin after short-term disability (STD) with Canada Life or any other income support has been exhausted, which is usually around 17 weeks. Make sure to gather all necessary documents, including the Employer Statement, Employee Statement, and Initial Attending Physician’s Statement.

You must wait for a particular period of time before you can switch to LTD. This is called the “elimination period.” If you are still disabled and unable to work after the elimination period, Canada Life should approve you for LTD benefits.

3. How Do I Submit a Canada Life LTD Claim?

To submit an LTD claim, follow these steps:

• Log into the Canada Life Group Benefits portal or submit paper forms via mail.
• Complete the required documents: Employer Statement, Employee Statement, and Initial Attending Physician’s Statement.
• Ensure all medical evidence is complete and accurate.
• Submit the forms online or mail them directly to Canada Life.

4. How Long Does It Take for a Canada Life LTD Claim to Be Approved?

Canada Life typically processes LTD claims within 5 to 20 business days. However, it could take longer if additional medical documentation is required or if the claim is particularly complex. You can check the status of your claim through the Canada Life Group Benefits login or by contacting your Canada Life disability case manager.

5. What Happens if Canada Life Doesn’t Respond to New Medical Documentation?

After submitting additional medical documentation, it’s critical that Canada Life reviews your claim promptly. However, if they fail to respond within a reasonable time frame, this may be treated as an effective denial of your claim. In such cases, you have the right to challenge their inaction and pursue your benefits. Don’t wait too long—if you’re not hearing back, get a FREE consultation with Samfiru Tumarkin LLP to ensure your claim is properly handled.

6. What Happens After 2 Years on Canada Life LTD?

After 2 years on Canada Life LTD, the definition of “disability” becomes stricter — and this often leads to claims being cut off or denied. Instead of proving you can’t do your own job, you now have to show you’re unable to do any job that matches your education, experience, or training.

This shift results in many people losing their benefits — even when their condition hasn’t improved.

If this happens to you, you still have options. You may qualify for a reinstatement of benefits or a full compensation payout. Our disability lawyers handle these cases every day and know how to challenge unfair cut-offs by Canada Life. Get a FREE consultation today.

7. Can I Appeal a Canada Life LTD Denial?

Yes, if your Canada Life LTD claim is denied, you can appeal the decision. The internal appeal process involves providing additional medical evidence or addressing the reasons for denial. However, it’s often more effective to work with a disability lawyer to file a legal claim against Canada Life, as internal appeals can be denied repeatedly.

8. How Do I Check the Status of My Canada Life LTD Claim?

You can check the status of your claim by logging into the Canada Life Group Benefits portal. If you prefer direct communication, you can also contact your Canada Life disability case manager by phone or email. They can provide updates and let you know if any additional documents are required.

9. What Should I Do If My LTD Benefits Are Cut Off?

If your Canada Life LTD benefits are cut off, especially after the two-year mark, you should act quickly. Start by getting a Free consultation with a disability lawyer. Gather updated medical evidence that supports your inability to work in any occupation. You can file an internal appeal, but working with a disability lawyer is often the best course of action to challenge Canada Life’s decision and secure your benefits.

10. Can Canada Life Monitor or Investigate My Disability Claim?

Yes, insurance companies, including Canada Life, may conduct surveillance or investigate your claim to verify your disability. This could involve monitoring your activities or reviewing your social media presence. If Canada Life believes you are capable of working based on this evidence, they may deny your claim or cut off your benefits. It’s important to be honest and consistent in your claim.

For more detailed information on how surveillance works in long-term disability cases, you can explore our Guide on LTD Surveillance.

11. What Conditions Qualify for Canada Life Long-term Disability?

Many conditions can qualify, including mental health disorders, chronic pain, and autoimmune diseases. Explore the Full List of LTD Conditions.

12. Do I Have to Be “Totally Disabled” to Qualify for Canada Life LTD?

“Total disability” doesn’t mean you’re bedridden — it means you’re unable to work in your own occupation (and later, any occupation). The term is defined in your specific LTD policy.

13. What is a Canada Life Disability Case Manager and What Do They Do?

Your Canada Life case manager is assigned to oversee your claim, review medical documents, and communicate approval or denial. Learn what to do if your case manager is unresponsive.

14. Can I Work Part-Time or Volunteer While on Canada Life LTD?

Canada Life may allow you to work part-time while continuing to receive long-term disability (LTD) benefits, but only under very specific conditions. Most group insurance policies support a gradual return-to-work program. This is usually a temporary, structured plan where you ease back into the workforce with limited hours while continuing to receive partial LTD payments.

However, this arrangement is not guaranteed long-term. If you continue working part-time for an extended period, Canada Life may argue that you’re capable of working full-time — and cut off your benefits.

In some cases, a policy may specifically allow for part-time work with a gainful income threshold (meaning you can earn a certain amount and still qualify for benefits). But many LTD policies do not include this clause, making it harder to secure partial benefits indefinitely.

15. How Long Can I Stay on Canada Life Long-term Disability?

Canada Life LTD benefits typically last 2, 5, or 10 years — or up to age 65, depending on your policy.

According to Canada Life, their long-term disability policies offer benefit periods of:

• 24 months (2 years)
• 60 months (5 years)
• 120 months (10 years)
• To age 65

The length of time you can stay on LTD depends on the specific benefit period outlined in your group or individual policy. Even if your policy allows for benefits until age 65, Canada Life may still cut off your benefits early — often at the 2-year mark — if they decide you no longer meet their definition of disability.

If your benefits are stopped before your policy’s maximum duration, speak to our disability lawyers right away through a FREE Consultation. You are entitled to compensation.

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Get Expert Help with Your Canada Life Long-Term Disability Claim

If your Canada Life long-term disability claim has been denied or your benefits have been cut off, don’t face the challenge alone. Our experienced disability lawyers at Samfiru Tumarkin LLP have successfully represented thousands of Canadians, ensuring they receive the compensation they are legally entitled to when dealing with insurance companies like Canada Life.

We also assist clients with related claims, including life insurance, critical illness, and mortgage insurance, providing full support for various types of insurance disputes in all Canadian provinces (excluding Quebec).

• 🔗 Canada Life Life Insurance Claim Guide
• 🔗 Explore Canada Life STD Claim Options
• 🔗 Guide to Canada Life Critical Illness Claims

Whether you’re having trouble getting approved for benefits, appealing a denial, or dealing with a claim cut-off after two years, we’re here to help. Contact Samfiru Tumarkin LLP today for a FREE consultation. We’ll deal with Canada Life so you can focus on your health — with peace of mind.

• ✔️ Over 50,000 Canadians helped
• ✔️ Millions recovered in disability benefits
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