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In Canada how do long term disability claims work? What do I need to do to apply? 

Disability Benefits - Question 17
Most people with long term disability insurance coverage have it as part of the group benefit package offered by an employer. When you find yourself in a position where, as a result of an injury or illness, you are unable to work, you should request the necessary forms from your employer. This will typically require that you, your employer and your treating physician complete forms to be submitted to the insurance company. When the insurance company has received these forms and any additional information that it believes it requires to process your claim, it will make a determination of whether or not you are “totally disabled” based on the definition of disability contained in the insurance policy.  

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This searchable database contains information about disability, critical illness and life insurance claims, and what you can do if you are denied or cut off of your benefits. It is a collection of the most common questions we receive from our clients. General answers have been provided by our lawyers.

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My disability claim has been denied. Does that mean I am not eligible for benefits?

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