How much will I receive from long-term disability insurance benefits?

The majority of long-term disability insurance plans can replace up to 70% of your normal income.

According to a report from the Health Association of Nova Scotia, LTD benefits typically cover you until:

  • Your employment terminates
  • You are laid-off
  • You retire
  • You reach age 65 (less the 150 consecutive day elimination period)
  • You reach age 60 or greater and have 30 years of pensionable service in Nova Scotia Health Employees’ Pension Plan
  • You die
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