What is “long-term disability” insurance?

Long-term disability insurance is a type of financial safety net that helps individuals with disabilities maintain their quality of life. This type of disability insurance is intended to offset daily living expenses through long-term financial support.

According to data from the Government of Canada, long-term disability (LTD) benefits typically start when these types of benefits stop:

  • Short-term disability insurance
  • Sick leave benefits from employers
  • EI benefits

Long-term disability benefits can be vital to helping you live with the dignity that you deserve. It’s important to hire an experienced lawyer to find out what you’re entitled to and make sure your claim is properly filed and paid.

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