List of Nova Scotia Long-term Disability Insurance Companies (2025)

What is a long-term disability insurance company?

In Nova Scotia, a long-term disability (LTD) insurance company is a financial institution that provides long-term disability insurance products and services to individuals, businesses, and other organizations. These companies tend to offer various types of insurance policies, such as life insurance, health insurance, critical illness insurance, auto insurance, home insurance, mortgage insurance, and commercial insurance, among others.

Insurance companies are regulated by provincial and territorial governments, which establish rules and guidelines that insurers must follow to ensure they operate fairly and responsibly. The regulations also ensure that insurance companies maintain sufficient financial resources to meet their obligations to policyholders.

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• Long-term disability claims in Nova Scotia

How do insurance companies make money?

Insurance companies in Nova Scotia are typically organized as corporations and are owned by shareholders. They generate revenue by charging premiums for insurance policies and investing the premiums they receive to generate additional income. The profits earned by insurance companies are usually distributed to shareholders in the form of dividends.

In addition to money earned through premiums, insurance companies make profit by denying LTD claims and benefits, often for people who are legitimately disabled and can’t work due to injury or illness.

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• List of LTD Insurers in Canada
• List of Life Insurance Companies in Canada
• Critical Illness Insurance Companies in Canada

What should I do if I am denied LTD?

If the insurance company denies or cuts off your LTD claim in Nova Scotia, you should contact a Nova Scotia LTD lawyer at Samfiru Tumarkin LLP immediately to find out what your rights are.

Insurers can deny claims for various reasons. They may also suggest you object to the denial through their internal appeals process. Our experienced and respected disability lawyers across Canada understand the stress a denial can add when you’re trying to pay bills and put food on the table, while focusing on getting better.

When the insurance company turns their back on you, Samfiru Tumarkin LLP is ready to provide you with support and solutions.

List of Long-term Disability Insurance Companies in Nova Scotia

The following is a list of the largest and most notable insurance companies offering long-term disability policies in Nova Scotia in 2025:

• Beneva (formerly SSQ and La Capitale)
• Blue Cross
• Canada Life
• Cigna
• The Co-operators
• CUMIS
• Desjardins Insurance
• Edge Benefits (BeniPlus)
• Empire Life
• Equitable Life
• Fenchurch General
• First Canadian
• Humania
• Industrial Alliance
• Knights of Columbus
• Manulife
• National Bank
• RBC Insurance
• SISIP
• Sun Life
• Wawanesa Life