If you’re too sick or injured to work, long-term disability (LTD) benefits can replace part of your income while you recover. But qualifying isn’t always easy—and many Canadians are denied or cut off when they still need help.
This guide explains how LTD claims work in Canada, including who qualifies, how to apply, and what to do if your insurance provider refuses to pay.
What is Long-Term Disability?
Long-term disability insurance pays monthly income to people who can’t work for an extended period due to a medical condition. It typically covers 60% to 70% of your normal income.
Coverage may come from:
- A group plan through your employer
- A private policy you purchased yourself
Who Qualifies for LTD in Canada?
To qualify for LTD, you must meet the definition of “disability” in your insurance policy. Most plans require:
- Proof that you can’t perform the duties of your current job (typically for the first 2 years)
- After 2 years, proof that you can’t work in any job you’re reasonably suited for
Your insurer will expect medical documentation from your doctor confirming that your condition prevents you from working.
How to Apply for Long-Term Disability
The application process usually includes three forms:
- A form completed by you (the claimant)
- A form completed by your doctor
- A form completed by your employer (if applicable)
You must also submit any medical records that support your claim. Missing deadlines or incomplete information can lead to denial.
How Long Do Long-Term Disability Benefits Last?
Most LTD plans last until age 65, or until you’re no longer disabled—whichever comes first. Some plans end after a fixed number of years.
What to Do if Your LTD Claim is Denied
If your LTD claim is denied, don’t panic. You have legal options. Common reasons for denial include:
- Lack of “objective” medical evidence
- Surveillance or social media activity
- Insurer believes you’re able to work
You can file an internal appeal—but be careful. Appeals often just delay your claim. Speak to a disability lawyer before taking that step.
Cut Off From LTD Benefits?
Insurers often cut off benefits after 2 years when the definition of disability changes. But if you’re still unable to work, you may be entitled to continue receiving payments—or receive a settlement.
Don’t accept the cutoff without understanding your rights. You could be owed months or even years of income.
Do You Need a Disability Lawyer?
If your claim has been denied or cut off, a long-term disability lawyer can help you:
- Review your policy and medical records
- File a legal claim against the insurance company
- Negotiate a fair settlement or fight for reinstatement
Most LTD lawyers work on a contingency basis—you don’t pay unless they win.
Provincial LTD Claim Guides
Looking for information about long-term disability claims and benefits, tailored to your province? Explore our in-depth guides:
- Ontario
- British Columbia
- Alberta
- Saskatchewan
- Manitoba
- New Brunswick
- Nova Scotia
- Prince Edward Island
- Newfoundland & Labrador
Free Consultation with a Long-Term Disability Lawyer
If your long-term disability claim has been denied, delayed, or cut off — don’t give up. That’s exactly what the insurance company is counting on.
Book your FREE consultation with a long-term disability lawyer at Samfiru Tumarkin LLP. We’ve helped over 50,000 Canadians secure the compensation they deserve. Let us deal with the insurer — you focus on your health.
✅ Insider Advantage: Sivan Tumarkin, co-founding partner of Samfiru Tumarkin LLP, previously worked for insurance companies. Today, he uses that knowledge to advocate for disabled individuals across Ontario. He knows insurers’ strategies, and how to level the playing field in your favour.
Connect with Canada’s top disability law firm today. Call us at 1-855-821-5900, email help@disabilityrights.ca, or request a callback through our Free Consultation Form.
Why Canadians Trust Samfiru Tumarkin LLP
- 👥 Over 50,000 clients helped nationwide
- 💰 Millions recovered in compensation
- ⚖️ No win, no fee — you don’t pay unless we succeed
- ⭐ 2,311 5-star Google reviews across Ontario (4.8 average)
- 🏆 Named one of Canada’s Best Law Firms by The Globe and Mail
⛔ Unfortunately, Samfiru Tumarkin LLP does not assist with government disability program claims (WCB, ODSP, WSIB, etc.). For support, please contact your provincial legal aid clinic.