What does “Totally Disabled” mean in Canada?

Understanding the term “totally disabled” is essential for anyone dealing with long-term disability (LTD) claims. While the general principles of total disability are similar across Canada, specific definitions and processes can vary depending on the province. This page provides a broad overview and links to province-specific information to help you navigate LTD claims effectively.

General definition of Total Disability

In most long-term disability insurance policies, “totally disabled” means you are unable to perform the essential duties of your job due to illness or injury. Importantly:

• It does not mean you are completely incapacitated. Even if you can perform some tasks, you may still qualify for benefits if you are unable to handle “substantially all” of your job duties.
• Two Stages of Assessment: Initially, your insurer evaluates whether you can perform your own job (“own occupation”). After two years, the focus shifts to whether you can perform any job for which you are reasonably qualified (“any occupation”).

For more details, explore our provincial guides tailored to specific laws and policies across Canada.

Why does total disability vary by province?

While the core concept of total disability remains consistent, each province has unique legal frameworks, insurance regulations, and case precedents that can impact how claims are assessed and handled. Our firm has expertise in navigating these differences to help clients secure the benefits they deserve.

Find total disability information for your province

Click on your province below to access specific information about total disability laws, LTD claims, and real-life examples:

• Ontario

Common questions about total disability

What If My LTD Claim Is Denied?

If your insurance company denies your claim, it’s important to take action quickly. Consult with a disability lawyer who can review your case and ensure your insurer’s decision aligns with the terms of your policy.

Can I Work Part-Time and Still Qualify for LTD Benefits?

Yes. Many LTD policies allow individuals to work in a limited capacity while receiving benefits, as long as they remain unable to perform the majority of their job duties.

How Long Do LTD Benefits Last?

LTD benefits typically last until you can return to work, reach retirement age, or the maximum coverage period outlined in your policy.

READ MORE
• Common reasons for denial of LTD
• Frequently used long-term disability terms
• FAQs on LTD claims and denials

How we can help

At Samfiru Tumarkin LLP, we have successfully helped thousands of Canadians secure long-term disability benefits. Our team works closely with clients to:

• Gather and prepare strong medical documentation
• Negotiate with insurers to secure fair compensation
• Challenge denied claims through effective legal action

If you need assistance with your LTD claim, contact us today for expert legal advice.

Our disability lawyers also handle short-term disability (STD), life insurance, critical illness, and mortgage insurance claims in all Canadian provinces (excluding Quebec), while the employment lawyers at Samfiru Tumarkin LLP handle non-unionized workplace matters in Ontario, Alberta and B.C.

Get the compensation you’re owed

You don’t have to face the stress of an LTD denial alone. Get a FREE LTD consultation today to learn how we can help you secure the benefits you’re entitled to.