Top Questions and Answers

Ask your question and a Long-term Disability Lawyer in Canada will answer in minutes




Note, your name, city and email is not displayed on the website. It is used to notify you that we have answered your question.


I am currently employed to walmart, and coverd by manulife. I had 3 hearth bypass and just recently had a total knee replacement. As well the other knee is going and my right shoulder is giving me hell. Can I apply for ltd disability. Ii ma 58 years old.
I have been of work since November 2021 for lower back pain Lc 4 LC 5 disc touching the nerve plus I was also diagnosed PTSD server depression ,anxiety ,panic attacks and paranoia I’m with Canada life insurance I was on STD and ended now as of 2023 mid January I started my LTD had so many adjusters I did some of there back to work programs but it just made it worse the sent me to CBI Health they stop treatment . should I get a lawyer now they are still paying me but I’m afraid they mite cut me off , my doctor recommend me to apply for CPPD which I did still waiting on that . So what should I do thank you .
I have permanent disability, collect monthly disability from worksafe and LTD monthly benefit. I am eligible until age of 70 as I proved my retirement plans. Question: When my LTD expires, does worksafe pick up the LOE?
Do severe concussions qualify for LTD? My sister has been denied but her medical team say I am not able to work. She has been off work now since Jan 3 2022. She is a teacher. OTIP is denying her. Her union did not make access to services available. She’s been invited to appeal. All medical appointments and details of appointments at the local brain injury clinic are available. I think she should seek legal advice. She has been paying all PT and OT expenses out of pocket.
Can my LTD benefit be reduced dollar for dollar by CPP Disability amounts if my benefits policy states that I am allowed to earn up to 85% (taxable) of my pre-disability basic earnings? This is what the policy states: "Here is how we calculate your Long-Term Disability payments. All references to income in this disability provision are to the gross amounts before any deductions. Step 1: We take 66.67% of your monthly basic earnings up to a maximum of $5,000. Step 2: We subtract any income provided to you: Under a salary continuance program funded in whole or in part by the employer, as a result of your disability or a medical condition. The result from Step 2 is the amount you will normally receive. If this amount plus the above sources of income and all the additional sources of income listed below exceeds 85% of your pre-disability basic earnings, we will reduce your Long-Term Disability payment by the excess. If your benefit is non-taxable, the maximum will be 80% of your pre-disability basic earnings after income tax. Additional sources of income provided to you: Under any Workers' Compensation Act or similar law for another disability, excluding any automatic cost-of-living increases that occur after benefits begin. Under any Criminal Injuries Compensation Act or similar law, where allowed by law. For the same or a subsequent disability under any government-sponsored plan, excluding dependent benefits, employment insurance benefits and automatic cost-of-living increases under any government-sponsored plan that occur after benefits begin. For the same or a subsequent disability under any Workers' Compensation Act or similar law, excluding automatic cost-of-living increases that occur after benefits begin. Under a motor vehicle insurance plan which provides disability benefits to the extent that the law does not prohibit such a deduction. Under a group plan, including any coverage resulting from your membership in an association of any kind. Under the Québec Parental Insurance Plan. If you are eligible for any of the income amounts above and do not apply for them, we will still consider them part of your income. We can estimate those benefits and use those amounts when we calculate your payments." My pre-disability earnings were $90,337 per year. Thank you for your guidance and any information you can provide.
Previous Next
Page 161 of 666

Have questions about your long-term disability claims?

Join us for a free live Q&A session on your disability rights and ask your questions with a disability lawyer LIVE.

Find All of Our Upcoming Sessions Here: Disability Law Live Q&A